5. Now I’ve moved to Southern California and bought a home in the National Forrest. I need to develop income and I just can’t seem to put it together. I love and ride horses. Maybe it's about God's timing but I just need something fresh to get er done.

6. How do you know if you don’t like doing something is because it is challenging or if it is something that is not really your passion? I feel like that if I walk away from it, I will have a sense of un-accomplishment (failure) that will prohibit me from succeeding in other endeavors so I keep going back to prove that I can do it and end up feeling like I am wasting away. So how do I determine if I need to keep persevering or if the ladder is really on the wrong wall?

3. I am an artist and did 2 large paintings for my hairdresser’s new salon. We agreed on the amount and terms she could afford comfortably. When it was time for the payments, she started giving me excuses why she could not do it although promised me she would really like to pay it off. By the way we have a written agreement on the payment terms which she has signed. Looks like this does not bind her at all. What is the best way to handle this?

4. My employer offered me a leave of absence, which I accepted. I thought that perhaps after 8 months in the Amazon jungle I would be ready to return to the office. However as my time here is coming to an end I found that is not the case. If anything, I'm less ready to go back to an office after spending so much time working outdoors in a less structured, free-flowing environment. Last week I decided to quit my job rather than return at the end of my leave. Now, I have no definite plans for the future. I have no job lined up when I return to the United States and no definite idea about what I want to do.

5. I work as a sales consultant at a car dealership and have been there only three months. A similar opportunity may become available in my own town in a couple of months. There are obvious advantages in going to the new dealership. But I feel somewhat guilty in leaving my present position. Should I leave the current dealership if the hometown position is offered to me?

6. I've actually been working on some book ideas for a while and would love to gain the information from the Write to the Bank conference this week, but I'm a pastor and have a wedding and will be unable to attend. Are you guys planning to podcast or record the sessions at all? Mostly what I hate is missing the community of writers, but I would enjoy receiving the information.

3. I am an artist that finds very little time to do art and without training and much experience. I'm working at a very boring office job about 7 hours a day and very involved in my church. I have a very small condo and very little space to do art. I don't have money for lessons. I'm in my early 60's and I know the Lord wants me to use my gift. How does one support themselves as an artist? How do I make this work for my life?

4. My husband is changing careers. He's 43, and has owned a drywall contracting business for most of his life. He wants to go into sales and marketing--it's definitely his interest and his skill set. The trouble is finding something he can really get behind. How would you suggest he find something he really wants to sell, or a cause he really wants to help? It needs to be something he believes in 100% (unless you have wisdom that says otherwise).

2. I am currently starting my bath and body business from home. I still work my 9-5 job but find myself dreading to go to work every morning because I am bored and burned out and when I am there I easily lose focus because I know there is something else I am passionate about. I am not at the point where I can quit. Are there any legitimate work-at-home businesses that I can do until my business takes off?

3. I currently am earning low six figures in a job I can't stand. I have a poor attitude and dread coming to work for my entire one hour commute and I don't think I do a God-pleasing job while I am at work. I am sick of working for someone and dream of having my own business. I have looked into becoming a Certified Financial Planner. The biggest problem is the salary reduction I would incur. That scares my wife half to death. We have no debt other than the house, thanks to Dave Ramsey. There is a lot of security in the place I work, but I am close to losing my mind.

4. I just finished college last month with a Bachelor's Degree in Business Finance. I am a 26 year old single and currently live with my parents. My boss has been very good to me and has paid my tuition expenses while going to school. He has also offered to pay for my tuition if I want to get a Master's Degree. I feel like I need to be loyal to my boss and keep working for him. I really enjoy my job but, I only make $9/hour! I feel like I could very easily be making much more somewhere else. My question is should I feel loyal to my boss and keep working for him despite making only $9/hour?

5. In my MBA program, the term "social entrepreneurship" comes up frequently. By adding term "social" to the term "entrepreneurship," aren't we subtly implying that entrepreneurship--at its core--lacks social responsibility?

5. I'm tired. My self-esteem is probably at an all-time low. I have been relegated to looking for sales positions that pay what I need to sustain my current lifestyle. I am not qualified for other professions nor do I have any experience or education in any other field (Business / Marketing degree). I feel I am truly living Henry David Thoreau's quote "The mass of men lead lives of quiet desperation".

6. Having trouble getting balance in the seven 'areas' of life! Men have the luxury of a wife to hold down the fort while they concentrate on their job. How can women prioritize and still make progress in starting a business. And I still need to work part-time at my former job as I begin my new career. I think *I* need a wife!

4. My husband has been laid off from his Mfg. Job for 15 months. He has had, maybe, 6 interviews over the last 15 months, but never been hired. It's very discouraging, to say the least. It seems like his age (62) is holding him back from being hired. I thought there was a law of discriminating against you if you are older?

5. I read the 48 Days book. How much of those ideas can I implement in my situation? Since I want to get back into church work, do I send a letter to every church in the area? How can I find churches that are looking for a youth and/or worship pastor that also line up with my theological convictions?

6. As a single mom, I am struggling with how I make the transition from the Corporate world as a CPA to nonprofit/ministry that is more fulfilling and more aligns with my passions when I don't have nonprofit experience and I am depending on a certain income as a single mom to support my family?

2. As a former real estate professional, I have been unemployed for a year now. I have recently returned from a missions trip to Turkey and Central Asia and I can't stop thinking about the women I ministered to. I am at the bottom of the barrel financially and am possibly going to either lose my home or file for bankruptcy. My heart is to serve the former Muslim women of Central Asia, but now that I am out of $$ I don't know what to do, how to live, etc.

3. I'm in the process of starting my own business, which I'm confident will succeed once I get it up and running. I have a committed deadline by which to be up and running, but I can feel myself losing momentum, and, in turn, confidence slightly as I get down to the boring formalities, etc. Any advice on staying enthusiastic while pushing through the tough, dull stuff?

4. I am 50 years old and am contemplating returning back to school to pursue my passion/dream to be a counselor. In my research thus far, it looks like a graduate degree in Counseling will cost approximately $35,000-$40,000. I believe I need formal education/training to counsel those abused, but am concerned about incurring such a cost, especially at 50 years old.

5. What are your thoughts on a couple running a business together? My husband and I have a great business we want to get started. It is more down his ally as far as the field, (music) talent and know how. I would handle the finance and administration side of things. We have never run a business before any tips you have on working together would be greatly appreciated.

6. Dan, Can an analytical person do well in Sales? I think I'm drawn to it for the challenge of persuasion and seeing how people make decisions, but I'm certainly not the schmoozer type.

2. My husband desires to start his own business in order to spend more time with his family and he talks about this desire frequently. However, he doesn't appear to be taking any action in this direction. He just seems to have a desire for change, few concrete ideas and little motivation to make something happen. What can I do as his wife to encourage and motivate him to pursue his dream, without nagging him or pushing him?

3. I am in the process of creating a website for my business and would like to know more about affiliates; can you please expound upon how to use website affiliates to increase income. Also, is it a good idea to sell advertising space on a website and how can I determine what to charge?

4. Recently, I read a quote from Rick Warren in The Purpose Driven Life that said: "You cannot arrive at your life's purpose by starting with a focus on yourself. You must begin with God, your Creator...It is only in God that we discover...our purpose. Every other path leads to a dead end." I'd love to hear your thoughts on this, as it appears on the surface to be different from your view. Can you comment on this viewpoint for us?

5. In my church group we were recently discussing money and there were a few people that not only viewed wealth as overkill but saving money (for retirement) was also bad. The verse they referred to was the one about the wealthy farmer building a bigger barn for his crop instead of using it for good. After reading various books and listening to Dave Ramsey and your podcasts I know that having wealth is not a bad thing and that a lot of people with wealth do a lot of good. I would like to hear what you have to say on this.

3. I have a Bachelor of Fine Arts Degree in Art Education and Graphic Design- but I can't find a job in either field. I would like to teach art to the elderly here in Florida at various apartment homes and senior communities-- but I'm not sure how to start.

4. Hubby's not looking for a job and I'm at my wits end. With the things that have taken place personally and in the business, my confidence is definitely shaken. I desperately need relief, but feel like I'm on my own and I don't know what to do to get it. Any suggestions?

5. Other than financial insecurity, why would a wife not show support or even really show that she cares about a husband’s new spiritual calling and mission to try something that has meaning to him and purpose to benefit the creation. I have left a career of 32 years in a new direction.

6. My 26 yr old son trusts God to provide his money and work. He isn't paying rent and hasn't a career goal. How can I graciously affirm his desire to follow God yet show him his prime time in life is being wasted? He has done some remarkable things. But has something to learn in this area.

3. Dan, in your experience do companies let people go for having to miss work for an ill child and what do you recommend? This has been a challenge to me personally and professionally. As a single mother, I am the sole breadwinner and caretaker.

4. I have been offered a new job, allowing me to finally quit my current job. I’m trying to prepare my letter of resignation, but I’m at a loss as to what to say. I’m surrounded by a bunch of very subversive and immature adults. How can I be respectful, yet get my point across that the work environment is toxic and depressing?

5. There are several areas I am passionate about, but I have the most experience and expertise in volunteer youth ministry. I want to avoid turning ministry into profiteering. How might I make a living helping other volunteers? What are the pros and cons of forming a nonprofit vs. consulting/speaking/writing as a business?

6. I am a school counselor by profession. Although I like my job, I go through seasons of near-depression because I'm not completely fulfilled. In my church I sing, and write and present all of our holiday programs. I also have great ideas for children's books, and gospel plays. The problem is motivation. I just can't seem to finish anything. Is it a matter of personal discipline, do I need a coach or is it just, "Not the right time?'

5. I started an HR consulting business almost 2 years ago, and have had minimal success due to my lack of marketing skills. I’m great at HR, but stink at selling. Although I’ve loved the freedom of working for myself and wish I could sell myself better, I think I might be better suited as a “work horse” in the corporate environment. How do I answer the inevitable interview question “Why do you want to quit consulting and work for us?” without presenting myself as a failure?

6. After reading No More Monday's, I believe I have a coaching, speaking and consulting business within me. I have being doing several workshops over the last couple of years that help individuals and organizations realize their purpose and develop a written vision plan for their lives or organization. I really, really love doing this. I love to see the excitement on an individual face when I am presenting this information. I have written a couple of presentation workbooks that I use with each workshop. My question is how do I move this into a full time business? I have been getting great feedback from the workshops.

6. I am a Doctor of Chiropractic who was in full time private practice for almost 5 years. I loved it. Unfortunately, having had very limited knowledge of running a business and limited capital, the business failed. I still owe $147,000 in student loan debt and do not want to take on anymore debt. I am scared and feel alone in this. I am almost 48 years old and want to start fresh but I know I have got to shake the fear.

7. Dan, do publishing companies have lists of book titles or content they are looking for qualified people to write?

4. I am 53 year old with no college degree. I have been working a “very part time” job for almost 2 years. My pay is very little, a little over 8 per hour. The job is a dead end job, pay is horrible. I realize that I am getting older, with no real job skills, other than bottom of the barrel positions. I battle fear; in other words, am I capable of doing anything new. I find that my self confidence is very poor. I suppose I am just wondering, is there any hope for someone like me? Where do I begin, what do I do, where do I turn?

5. I am 43 years old with an elementary teaching degree. I graduated from a reputable state university in 1997 and worked 3 years as a teaching assistant. I stayed home with my two small children for 7 years. I am now working as a teaching assistant for special ed. and I don't like it but I feel trapped. I have a degree that is useless but I can't afford to go to a tech school to learn a new trade. What options do I have? Trapped with a useless degree

6. I've been living and working in Ecuador part time, trying to do ministry part time, and receiving some support from individuals. But I am frustrated with having to depend on inconsistent support. I am dreaming about finding a way to self sustain myself here. I'm wondering if you have any stories/examples of how your job principles translate internationally and if you have any pointers on what I might need to consider in light of living in a different culture.

2. I am funny. I was born funny, I love making people laugh. Do you know any way to get paid for selling jokes? Do you have any suggestions on how to harness this talent into a living so I can provide for my family?

3. What have you done to promote your podcast? I've been doing a podcast about 2 years now. It's about tennis instruction and it has grown but over the last 6 months or so my download numbers have become kinda stagnant.

4. My challenge is coming up with an idea. I think what I need are some methods/exercises to stimulate my creativity. Any suggestions would be appreciated.

5. I am currently working in a job that is providing for my family's needs but not much else. I am thankful for that but want more - to be passionate about the work I do while earning an income level that allows my wife and me to fulfill our dreams of having a large family through children of our own, adopting, and possibly being foster parents.

6. Hi Dan ~ I have always shied from goal setting as, being a Christian, I felt that my life and direction are guided by the Lord. Is it realistic to say in five years, (Lord willing), I will have $100,000 income, be tithing 25%, put 25% in savings....etc. Do you understand what I am saying? I have a hard time saying 'I WILL DO SUCH AND SUCH' because I feel God may have a different plan. How do I move past this?

4. What do you do when you have long aspired to make a living doing something you love, "have so much potential," but never reach it? When you start to pursue something(s,) but lack the discipline, drive, confidence etc.. to stay with it and master it? What do you do when you want so many things but have lost belief in yourself that you'll ever really do anything?

5. I have been shown a business by God. It's an online business I feel led to create... that can provide help for a lot of people. However, at age 56, I struggle with how to start a business (I know nothing about running a business)

6. We went Rwanda last summer loved the people/country and want to go back for longer term. We’re both engineers (in our late 30’s with 1st baby due in April) with good income, but want to serve in Rwanda for a couple of years…any advice/thoughts for us as we consider this transition from good income to 'no income' except what others provide?

- Education
- Money
- Business
- Success

4. I have only been able to find "temp" jobs since graduation with no real job titles to place on a business card but would like one for networking purposes. One idea I have is to link to a personal blog with basic info/resume. Any thoughts on a title for the card or any other ideas?

5. Dan, how do you beat procrastination? I have founded and sold two businesses in the past decade, so it's not like I'm hopeless. But I want to do something I'm passionate about -- I love music and writing, so I thought I'd might try songwriting -- but for some reason I just can't get started or motivate myself to sit down and write something creative, especially when I'm tired at the end of a long day. Any help?

6. Is there a way to teach myself to embrace failure? Logically I know that the only way we learn and grow is by stumbling and falling and then learning from that. However, realistically, I don't like to fail. Can you suggest ways to appreciate rather that hate failing?

6. I'm almost 44 now, and single. I have never been married. ALL I EVER DREAMED of since I was young was getting married and being a wife and mother. These goals don't seem to be happening. I have an adequate paying job, which has soured over the years but still pays better than most. I feel hopeless and abandoned by life.

(Don’t assume LESS – expect MORE)

2. I am putting together several drama workshop curriculums that I plan on marketing to community theatres and schools. What is the best way to copyright the material so that I can protect myself against illegal use of this material?

(It’s already “copyright” protected)

3. I'm having an issue where I'm limited in my options to sell my physical product. Without a storefront, I'm finding I'm limited to swap meet type of venues. Or are there other venues I'm not considering?
(Yes -- Swap meets, street fairs, festivals, conferences & conventions, websites, eBay, craigslist, etsy.com and many, many more)

4. I was thinking though, with all the creative juices you have started flowing in me, why not have a link on your homepage for people to be able to signup for your favorite magazines and you could receive a commission for that.

(Thanks – I have lots of links for products and services where I do make a commission – but also lots of recommendations for resources that have helped me.)

5. I love to bake and I am quite good at it. I do not have formal training I just love to bake. When I am stressed out I turn to baking. I was thinking of going to Pastry Chef school but am I too old for this? I am turning 43 in February and I just feel lost...
(Get the schooling immediately – and then spend the next 30 years doing what you love! You’re too “young” to just coast into the grave.)

6. My passion is to be a Portrait Artist. God has told me this, I am a Portrait Artist. My question is how do I get jobs? I made up a flyer with a portrait sample, and the photograph next to it for the church I attend. That was in June, I have not received any jobs yet. My family helps me out with a roof over my head and food to eat. If it was not for them I would be living on the streets, I am very grateful to them.
(Did God tell you to be dependent on family members and not provide for even yourself? Stop blaming God – take responsibility and start generating income.)

7. I just self-published a children's book My desired market niche is young moms, grandmas, and daycares. How can I most effectively market to these groups? And how do I begin to establish an online presence with limited time and resources? I am a total newbie at selling.
(Occam’s Razor – it’s a scientific concept that has to do with finding the simplest explanation. But here……………………….)

- What were you goals in actually making this a book?

- What were your first steps in making it a book?

- What lessons have you learned about it takes to bring an idea to life?

- Did you ever think about just quitting?

- How important was it to have a supportive family and team around you – cheering you on? Could you have done it without that?

For an entrepreneurial project to be completed there must be a blending of passion, purpose and plan. None of those is enough in and of itself.

I spend the last 15 minutes on this podcast addressing one question that represents a recurring theme in hundreds of emails each month. A listener describes his early passion for sports and the outdoors. But then he thought he experienced a “call” to ministry. He went to seminary and has had various church ministry positions. But he continues: “All this time my passion for bass fishing and the tackle industry burned. I felt guilty about it and even grieved over not being able to pursue it………… I sense I'm still missing the mark. I'm now 50 and don't want to waste any more time.” How do we experience a “call?” Does it always take us to seminary and church work – or could it be a call to bass fishing?

3. I feel an invisible pressure to stay since the company would surely go down without me since I am the only one who can do what I do. I dread going there daily. Should I stay and just keep my head down being thankful I have a job or stay and keep my eyes open if something better comes along and then leave?

4. I’m an internal lawyer for a company. I’m 30 and have discovered that practicing law is not my calling, My passion is horror writing. How can I make this thrive considering my age, my full time mediocre salary work and the fear of quitting, having no income, and living in a third world country conditions?

5. Would it be out of line to ask for a raise since I just had my work load increased? Or should I suck it up and 'take another one for the team' and just be HAPPY (BUT over-worked) to still have a job? For the most part I really like what I do...

6. I am in the process of creating a website that will be based on recommendations for the coolest bars, restaurants and stores in town, an email will be sent once or twice a week to my subscribers with only one event per email but I am having trouble figuring out a way to build my audience, could you give me a few pointers?

5. How do I find out what my passion is? I am completely out of touch with anything I might be passionate about. My passions died over fifteen years ago. If I have any, they are so buried; I can't even begin to bring them back. Please help!!

6. I have a marketing opportunity for you that I am really excited about! I am raising money for my 8th grade class trip to NY City. If you would like to sponsor my full tuition I will wear your company logo every day from now until I depart for my trip in June.

5. Because of reading your books and newsletters, and listening to your podcasts I have finished a project that I have been working on for 3 years. I have written a children's book called I Believe. It is a Christmas story about the true meaning of Christmas, giving. I just wanted to say thanks. Your encouragement has helped push me along to getting this done. Do you have any suggestions for marketing a self published book? What are some avenues that I could pursue?

6. Do you believe that only a select number of people truly discover their talents and therefore their calling? I was laid off from my job in April and have given up looking for work. I see artists and "successful people" doing what they love and have come to believe that God will never show or reveal to me what I love to do and that it is reserved for a few.

6. Hello Dan, If someone was working full-time at their passion, how much time does someone give it a chance to be profitable?

7. Do you think it's a good idea to leave a low paying, dead end job to go to school full time and work part time to get a degree so that I can make more money, yes, I have a mortgage and car note and household bills...thank you

2. I love to share my faith with others and I seem to have many natural talents, skills and abilities suited for a minister. Many people gave even suggested I enter the Ministry. However, I believe that no matter how suited someone may be for ministry they must be called of God in order to be a Minister. Talent is nothing to God. He rather wants a fully surrendered and obedient individual. I suppose my question is how do I know whether I'm called to be a minister or just an entrepreneur with an idea I'm passionate about?

3. My pursuit of solo-preneurship has left a gaping hole in my relationship with my husband. He has become very resentful of the time I spend trying to get my business off the ground. Between working part-time, taking care of our children, taking care of the household and working on my business there are barely enough hours in the day for me to eat, exercise and sleep. Is there any way that I can keep a finger in the pot just to continue with my passion even in the smallest way?

4. I would like to start a Quickbooks Accounting and tax business. I am taking both QuickBooks and Tax classes right now. I am also pursing the CPA license. I am married with 4 children, 6 and under. I have a full time job, and church responsibilities. What should be my expectations for having other commitments and starting a small business?

5. I discovered a gold mine, a lump coal that I feel can be a diamond. I have dabbled in all sort of ventures but never conquered a public domain eBook. My question is this, I just don't want to sell the book, I want to utilize its content to continue to make residual income. I am just struggling on how to make and market this Material. It is an old book that talks about how to increase your wealth using certain life principles.

6. I am a long time Pastor and the tough economy has had a big effect on our church...pay cuts, lost jobs, and fear of the future have caused offerings to drop 20%. As a result, our staff took a 10 % pay cut in April and 50% in September. But the cool thing was that it also gave me time to find some meaningful part time gigs that are making up the difference. Your podcast and book (No More Mondays) were a big part of the process. So now I have two part time gigs that I’m very good at, pay me way more on an hourly basis then I have ever made in my life, and are FUN! I have made up the pay cut and, believe it or not, if it meant stopping these part time gigs, I don’t think I would take my full salary back if they offered it to me.

I’m an artist and don’t want to “grow up”

1. I could really use some career/business/vocational advice. I will turn 47 in January, but sometimes feel as if I haven't grown up yet. I am an artist. Sometimes I feel as if I'm still waiting to grow up, looking to see my childhood dreams realized.

2. Please explain how do you hear God and His guidance? I have spent time in His Word & I still do not hear anything or sense that small quiet voice in my spirit. I would welcome any advice you have.

3. I already have Masters Degree- from Vanderbilt in Human Development and have applied and been accepted into a masters in counseling program- but in the back of my mind I have wondered what is the real difference financially to my family - the program takes about 2.5 years as well as the cost of the program and the cost associated with my working part time while in school. What are your thoughts on this??? I will be 50 in February.

4. Would you have any career or job search advice for widows/widowers who are looking for work under the most stressful of circumstances?

5. I am 63 years old, I worked for a magazine distributor for 30 years as a route man after they went out of business I tried to sell cars for six years but was not successful. I guess it's too late for me to find a job I like and make more than $8.00 an hour? If you have any suggestions I would be happy to hear them.

In answering the first question I borrowed from Darryl Worley’s new country song – Sounds Like Life to me.

1. I followed my passion and dreams and started an IT business in April. Since then life has happened in the form of our son who was born prematurely and required 2 months in a hospital. As a result of the stress and the business not going well, I have become lost. I feel like I have no passion for much of anything anymore, what can I do to become creative and passionate again?

2. I have a passion for helping people with their marriages and family relationships. I would like to focus on premarital counseling, marriage enrichment and teaching parenting techniques. For the past year I have been torn between pursuing a Masters in Marriage and Family Therapy, which I began this past spring, and venturing into marriage & family coaching. Is the financial and opportunity cost of a Masters degree worth continuing or should I start moving into coaching?

I love this next question – and it touches on a gold mine available to most any of us.

3. Being an avid reader, I came across an old book in my collection that was given to me by my mother on my wedding day. The copyright in the book is 1902 and the content of the book could very well be valuable today as when it was first written. I checked online and the company that published the book is apparently no longer. I hear you talk from time to time about books in the public domain and wonder if this falls under that umbrella. If so, how do I go about putting together an e-book or paperback to sell using this book's information?

4. I’d like to subscribe to your podcasts, but prefer not to have to sit listening to my computer. Perhaps an MP3 player? Well, I find that I miss too much of what’s going on around me if I’ve got ear buds stuck in my ears. Would it be possible to subscribe to a transcript of the podcast, so that I could read it at my leisure?

5. What are five tips on how to have the courage to start my own business?

The job I have drives me crazy

1. I've been learning and being challenged so much about the possibilities of entrepreneurship and putting feet on my ideas...but at what point do I decide I'm better off operating in my original strengths -- which are NOT as a skilled businessman -- and go out and look for a business partner who compliments my strengths and can help implement my ideas?

2. I've created MommyBrainOnline.com to encourage moms to pursue their passions while they raise their children. I have a podcast, newsletter called "The Boost" and a website. I'm building listenership and email list, but I'm struggling with the third leg of the stool monetizing. Is sponsorship alone a realistic business model?

3. How do you get over the fear of the unknown and take that leap of faith? As I have been reading your newsletters and books, there are so many aspects of my life that I NEED to get back in shape. I just don't know how to start.

4. I have a B.S. in business, 5 years military service and 11 years work experience in a variety of jobs, yet, the jobs I am qualified to do I don't want, the jobs I want I don't have enough experience for, and the job I have drives me crazy.

5. My family has a wonderful recipe for chili. There is a great story behind the chili and anyone who tastes it really loves it. I think his chili spices have a great potential and would like to help my dad get his chili spices in stores nationwide. He also has a wonderful salsa recipe that we might include. I'd love to make this a family business that can be carried on for generations.

2. I would like to know some specific steps to take to make a smooth transition from a full time position to freelance or contract work with my current employer. It seems that resigning would automatically put me in a tough or even negative position to be able to continue to work with the same company.

3. I would like to start a Christian greeting card business. I love to draw and have drawn all my life, including illustration for children's books --- and I have a unique idea to subject my cards. What are the steps to getting started?

4. I have been trying to buy an existing business for about 3 months now. The owner is financing half and I need to come up with the other half. I have excellent credit, some bucks in a money market, but let me tell you, can’t get anyone to give you that first leg up, doesn’t matter how many business plans you write, unless you’re already established, they pretty much tell you to go take a hike.

5. I'm a 62-year-old college professor and utterly miserable in my job. I wish I could say this is a new development, but I've never really felt fulfilled in my work. I am heavily in debt, can't make enough to live on in a job I hate, and see no hope of ever retiring. I feel trapped and hopeless. What can I do?

6. What should one do to prepare for the upcoming year? I heard you mention that you evaluate all areas of your business and make changes annually. What do you do for the other areas of your life?

I feel like a spittoon….

1. I am considering venturing of into my own business, but want to safeguard my finances in the beginning stages. How Much money should I have saved for an emergency fund for my family, and how much money should I have available to dedicate to the business.

2. Dan, I LOVE your show, and, thanks to you, I am doing insurance sales to seniors now, which I COMPLETELY LOVE!! When I sit down with a prospect, I am in my zone, and I love selling face to face. A BIG part of where I should be getting leads is from cold calling, but I STINK at cold calling. Other than "just do it", what advice can you give me to get over my reluctance to cold call?

3. I feel like a spittoon, envying the vases. “God is the potter, and you are the clay, be happy with how He made you.” What do you have to say to women who have been thwarted by their complacent husbands? At 48 years old, I’ve lost my faith, my hope, and frankly, don’t care if I lose my marriage.

4. I am sure you have read my story before. 40 years old I have 7 children and I have never made more than 27K my entire life. I would LOVE to be able to combine what you do with what Dave Ramsey does for his listeners and readers.

I am not sure where to get started or how to begin or how to pay the bills and such.

5. A relative of mine has been talking for years about a "family recipe" that is a miraculous cure for poison oak/ivy that greatly speeds up the healing process. I'm trying to assist him into locating info to help him along the way. In order to actually produce/market this type of product - what do you suggest as first steps? Any recommended reading specific to patents such as this?

6. How do I go about finding corporate sponsorship to fund some of the projects I'd like to do? They include collections of stories of recent immigrants to the US; interviews with non-Americans about their view of and experiences in the US; and video series on different cultures, whether regional US cultures or overseas cultures.

I start off this podcast by playing a jingle – Ole Dan Miller – submitted by reader Kenny Day. The question is: Can he make money doing this for other people?

1. I love writing, and my blog, newspaper articles, book reviews and textbook writing is fulfilling--one problem--it does not generate an income! I've been stumped how to turn this into a money-making opportunity.

2. I’ve recently lost a pet and noticed that there are not many books out there for Christians coping with this kind of grief. My idea is to write about my cat and all that God taught me about His love through her.

3. My mother wrote a column in a local weekly newspaper for several years about life experiences and the early history of our town. Years ago I compiled most of the numerous articles then printed them as a self published books and she sold them at her store. My question is who legally owns the copyrights to these articles and books since it was not mentioned in her will?

4. My question is would it be feasible to start a site where people can log on and review books and maybe have some type of rating as to the amount of offensive content in each book. Would this site be legal and if so how would I go about launching it?

5. I just got back from 5 days in the high Nevada desert and the Burning Man festival. I don't know what you know about it, or what you have heard. But for me it is a very powerful spiritual retreat. What are your thoughts on retreats? What elements do you think are necessary for them to be "successful"?

2. I am currently compiling a reading list for my children and would like your advice. My goal is to compile a list of books that I believe are essential for my kid’s to read before leaving home to college. Any help or suggestions would be greatly appreciated.

3. We have been working for about a year on the side doing web design, data entry, and marketing for a Real Estate friend and she pays us a percentage of her sales......Dan, could this be a start of a real business for my wife and I doing the same work for other Real Estate agents?.

4. I have thought about interviewing some big respected/admired names (leaders) in my community/country, putting the interviews on CD and selling them. Would I need to pay some money to the interviewees if I get to sell these at a decent price?

5. i'm 54 yrs. old living in New York City. I got divorced 4 yrs. ago, i've alway's been self-employed in sales, i'm out of work now, i feel stuck in my situation, i really don't know what my calling is, it seem's i've never been able to find it. I'm a want to be actor, but never really pursuit it, my self-esteem very low it have alway's been, i come from a very disfuntional family. I read both your book's there great. It's how to apply them in a tangiable way, that i'm having problem's with. Anyway, if you could give me some tip's i would greatly appreciate it. Thank You, so much and, please excuse me, i didn't mean it to be a therapy session.

6. Right now at 63 I am sooo sick of the place I am. I was raised on a farm in Tennessee, served in the 82nd Airborne, worked in a number of factories, owned and operated a boarding kennel, studied commercial art in school, am presently an amateur photographer. I loved all of the things I have done in life except what I do now and I hate it. I read your excerpt from No More Mondays in Charles Stanley's In Touch magazine. I have read it and read it and read it. That little article sooooo inspires me.

How do I do this??????????????

1. I’ve identified my number problem. I don't really know myself. Honestly everything has been on hold for years after a divorce and the subsequent 20 years of managing the 5 kids by myself. I consider myself lucky but have lost my sense of what would be fulfilling career wise.

2. I lost my job over a month ago in a high profile corporate role. Since leaving the company I have been approached by many of my external business associates asking that I do consulting work on their behalf. The question is.... I am scared to go out on my own and make a living on consulting.

3. One of the things that comes through in your written and podcast materials is you are very planful in terms of how you spend your time. I suspect that applies to both work and personal time. Can you please talk about the importance of being both purposeful with our time and mindful of the stimuli to which we are exposed.

4. My wife and I started a music academy 6 years ago teaching private music lessons in student's homes. I'm now looking for other ways to leverage my expertise and experience as a guitar teacher. As I research the market, I confess I get a little intimidated by the large amount of guitar instructional material online. How will my stuff stick out? Is there such a thing as a saturated market or is it really about positioning myself in a unique way?

5. I have always been in sales and have always done ok but not great. I recently took Myers Briggs and sales was not listed in the "best jobs" for your personality type. I don't really like sales because I find it repetitive and I like variety. I want to make a change but fear keeps me stuck doing something I don't really like.

6. I have an issue that is personal but related to work that I am dealing with and is becoming the "life or death" of my marriage. My husband is currently not working (and we are living with his parents) b/c he is pursuing his "passion" for a network marketing company. Network marketing is however not what I signed up for. I am tired of chasing rainbows with him and want him to buckle down so I can have a house and hopes of having children. We are directionless and I'm becoming hopeless.

I get bored easily…..what should I do?

1. I’ve been an Analyst in the financial field for nearly 8 years, and honestly hate working for someone else. I’m making excellent money, and I’m good at what I do, but I feel like I’ve become trapped in the “comfort zone”… It seems that every new business idea I come up with, I find a way to shoot it down within minutes.

2. I have been a licensed Physical Therapist Assistant for the past two years. I had no idea how strenuous this line of health services work was and is on my body physically. I would like to find another line of work in the health services field.

3. I get bored easily. How do you deal with the excitement of starting something but then have that feeling wane over time?

4. I hope to market myself as a Social Media Consultants for Churches with members of 1000 to 5000. After almost 30 days of using Facebook and Twitter I have yet to sell a network. I have gotten 183 unique visitors to the site. With basically no budget how to you think I should proceed?

5. I have been a pastor for 22 years. I was called to preach on Sept.19th, 1976 but have never truly felt called to be a pastor. Of the 22 years I have been a pastor I have I have really only enjoyed it about 5 to 7 years. My temperament and personality seem to keep me in turmoil with my flock on a regular basis. At 56 I am close to burn out, exhausted and need a change.

6. Two friends and I have written samples of a series of joke books which are in the vein of Foxworthy's Redneck books. We've been turned down by several publishers but still have one more in mind. If they don't pick it up what would you recommend be our next step?

1. My cynicism is getting the best of me. I’m interested, in fact, desperately interested in finding my passion, my talent, and a purpose for my life. Is there a short cut to making the transition from employee to self employed? Inside I really think I’m just destined to eek out a living paycheck to paycheck. I can’t seem to identify anything that might be a talent or passion that could pay the bills.

2. Could I write an ebook for new artists and show them how to set up an inexpensive art show to sell their work? I have done this for 5 years in a row but I can only produce enough quality work to do one show a year. I thought that if I could market my ebook and teach other new artists how to accomplish this, I could use that as a new stream of income. What do you think?????

3. How can I go about turning my podcast into a full time job? Podcasting is my passion and it has been for over 3 years; it's one of the things that adds a "balance" to being in a "wrong fit" j.o.b. and it's something I love.

4. I struggle with knowing how much I should take as a salary for myself from my business. Since I own the company, obviously I can take from the proceeds, but what would you recommend I base my salary on as the company grows more and more and there is more and more profit.

5. I am a school counselor and have written several stories that incorporate good character building examples through imaginary stories and characters. I would like to publish the stories but have been unable to find a publisher who is interested in them. I would be willing to publish them myself but have been unable to find someone to illustrate the stories. Recently, I decided to let children in the classroom add pictures after reading the story to them. I think this turned out very well but I am unsure if I could self publish the books if they were illustrated by children.

1. I am 33 years old, married with a family of five and live in SLC, Utah. Over the years I have struggled with the dilemma of feeling like I am not able to pursue earning a true living doing what I love which is acting and entertainment.

2. I am unable to figure out the path for get from Point A to Point B, to find the door in my white room, to transition from the idea to a money making enterprise.

3. I would like to know what to do when you are working so hard and everything seems to continue to fail. Do you change plans or what?

4. I am 35 years old and have worked as a Registered Nurse for 10 years. I am extremely bored but it "pays the bills." I can get a raise by becoming a certified emergency nurse. Is it a wise use of time and resources to pursue education to increase my effectiveness and income in a position that I currently hate?

5. I am the owner of a small business specializing in the cleaning and sealing of decks, fences, and wood siding. However, the nature of the business cases loss of income for about 3 1/2 to 4 months out of the year. We always struggle keeping the lights on and food on the table for our teenage boys.

6. I’m deeply in debt as a result of my current business but want to start over in another career. I’ll be selling my house soon in order to reduce my debt by about 50% but I don’t know of a lucrative way to harness my talents in a way that allows me to live while paying off debt.

- How do I start a blog?

- I continue to stagnate and suffer from career constipation.

- I am 44 years old and am bored to death and feel I have no calling or purpose.

- We think our motorcycle vest product name is catchy, what you do think?

- Can I take what I have learned in hands-on bra fitting and maybe make some extra money?

- Do you not think it ironic that you receive so many questions from folk that want to know how to be a life coach to others when they have not figured out how to do it themselves?

- Just like everybody else, I work as a physician and make money in the linear fashion.

1. I am missing that "something" inside that says "yes, this is what I want". How do I find this "something" ?

2. I just can't seem to figure out what my calling is. What was I put on this planet to do? What in the world am I here for?

3. What credentials do you think would be required for a Management Coach? I have a BS in Civil Engineering, but that does not reflect management capabilities.

4. How do I handle possible copyright issues by using the quotes from famous people that I used to generate an idea or point-of-interest in a blog post or book I may write?

5. I am currently stuck in a career that is dragging me down. I dread each morning going to work, but I also have feelings of guilt because I know there are thousands of people without jobs. I have been dealing with this day after day for at least a couple of years now, and something needs to change.

6. I was just wondering what should be my first approach to opening a Christian cafe/ social club for my community. No, I have never run a business before but grew up with a mother who owned her own store/restaurant and rented apartments.

7. I am looking at purchasing an existing landscaping company with good sales and margins. I am a Mechanical Engineer by degree, but I love being outside and talking to people (atypical engineer). While I think this is a good opportunity, I am concerned by whether I have narrowed my view of potential businesses too much.

This podcast is brought to you by Audible.com. The internet’s leading provider of spoken word entertainment. Get a FREE Audiobook download of your choice when you sign up today. Logon to audiblepodcast.com/work today for details.

1. I have come to the realization that my current job is neither within my calling or even tolerable for to much longer. I have a desire and passion for physical fitness and encouraging others when they think a goal/quest is out of reach. Would I need a certification to do what I’ve described?

2. Five months ago I got laid off from working in IT. I’ve been unsuccessful finding work. My wife and I are thinking about creating an adult content site to generate income. We would either make videos of ourselves or just feature videos. We know this is a booming industry. Do you see anything morally wrong with starting this business?

3. I've read your "48 Days To The Work You Love" book and now I'm reading "No More Mondays". They have inspired me to pursue an invention of mine but I don't know where to start. I have a motorcycle and one day I came up with this idea for a black motorcycle vest with lights on the back, hook up the lights to the brake and turning lights from the bike so whenever you apply them the lights on the back of the vest come on? What would you suggest I should you?

4. Please tell me more about how to write a business plan. Is there a guide or a workbook you would recommend? I have been self employed for 20+ years and have never done one.

5. I had my own homebuilding company and 2 years ago my business came to a crashing halt with the economy down turn. I loved building homes and that was my passion. I started an insurance agency the first of the year and have been doing OK but not earning what I need to keep the bills paid. What’s a 61 year old person to do?? I was doing what I loved to do when I was building homes. Now, I feel as though I have lost my identity and have a hopeless feeling at times.

6. I am 34 and only have a high-school diploma. I did not do very well when I was in school; however I am now very eager to learn! How do you decide on further schooling or another job or your own business? I have been in a battle with myself over this for years! You are right -- the indecision has led me to do nothing, and that's not what I want. I want to thank you for all that you do!

3. In the past 9 years I have been laid off three different times. Currently I am having a very difficult time finding a new job. I cannot seem to hold a job for any respectable amount of time. I have never been fired from my past jobs, but I seem to get "laid-off" because of various reasons. I feel really lost.

4. I'm interested in learning what it takes to become a Life Coach. Can you point me in a direction to find information? Does it take years of training? I have no ideas where to start and you seem to be one of the best.

5. Hi Dan, I have just completed writing a book about my experience advocating for my son who was diagnosed with dyslexia many years ago. Can you tell me what to do with it now?

6. My real passion is to start a work at home business (most that I have found are scams that want your Money) where I can be flexible with schedule to continue my work with church and community. Question is how do I find that good work at home business or business that I love to get me started.

4. How do you manage depression/lack of motivation when trying to get a small business started? Exactly one year after being laid off from a company I'd worked at since the age of 18, I'm still bummed out about the unfairness of it all. Politics, nepotism, and dirty pool were par for the course at my company, but I still miss it (and my great salary)! How do I get over this & get on with my new life?

5. After being in a souless job of being a Flight Attendant for 25 years, my fear is that job seems to erase the fact that I have a masters degree in Science Education and taught in Science Museums and College level Biology. How do I go about convincing anyone that I am capable of more than serving cokes and peanuts? How do I begin to look when I feel no calling?

6. I have sometimes heard that your hobby is best left your hobby; that making it your business can ruin the enjoyment of it. When considering a business is it better to start with something you love to do or look for a good business opportunity and develop that?

2. I am a 32 year-old "nervously-employed" salesperson in a highly unstable industry!

3. I am not young and would like to get started in the shortest possible time.

4. I am motivated to find a path in my life that will be good for my soul, as well as provide the material requirements of my family.

5. I spent the last 5 years in the School of Hard Knocks getting a degree in life experience.

2. I am an offshore Engineer. I make 130K with 100% matching 401K and 750.00 vehicle allowance and am in the top 10% of my company. BUT I am tired of working offshore (14 years)and constantly uprooting from my family church and community. What is your advice about exploring a Chick-Fil-A franchise? I'm 37 with a stay at home wife and two small babies.

3. I have recently found an opportunity to buy out a photography business that has been growing the last 10 years and brings the current owner a six-figure income. Purchasing this company would require a loan of nearly $200,000 but the six-figure income would suggest I could pay it off in 3-4 years. Is it right for me to take out a loan to grow my already existing photography business?

4. I've been an owner operator in the building and remodeling business now for over ten years. I have been given many opportunities for very lucrative large scale jobs but always seem to come out in the red. As of right now I am over $250,000 In debt due to poor estimates and bad business practices. Should I just quit and go to work for another builder, which I hate the thought of, or try something new? I feel I'm running out of time. It is my passion and I'm very good at it. So how is it I've managed to burn so many bridges?

5. I've really enjoyed your latest book, "No More Mondays." I live in Nashville, TN and I was curious as to what one-on-one counseling you still provide at your local offices? After reading your book I almost have more questions than answers concerning what would be an appropriate avenue for me to pursue in a future career.

6. I would like to translate and do audio recording of books from authors like you, Dave Ramsey, Zig Ziglar and others and sell them. I plan to start by picking up something from the public domain as an experiment before getting into the technical part of dealing with publishers.

4 Questions.

1- What do you think about this idea? (I believe in this)

2- What kind of sound recording equipment should I be looking for?

3- If I hire someone else to read and record for me how should I pay?

4- When ready for copyright material where do I start?

1. I work at a job that is a dead end job; I will be doing the same job in 20 years as I do today. I do not like the job but it is stable and pays a living wage. The new job pays significantly less than I am making now. I could pass on this job and stick it out for a year and hope the labor market improves or take this job and struggle with the loss of pay. Any advice you can give would be appreciated.

2. I am self employed and have been for years. I am 33 years old and I started a cabinet shop 13 years ago. I was headed to college to become an architect but my father was killed in a accident. So I quit and stayed at home to help out. I decided to start my own business and that was to build furniture but that turned into cabinets which was fine. I have a true passion for this work. I do not want to do anything else but the economy is making it impossible.

3. I love your show. I’ve discovered that I love to read books. Is there a way to make a profit by reading books and writing reviews? Do you know of any solid resources, books, websites, etc on this topic?

4. Can anyone set up a store like this (Dan’s Reading recommendations -- http://astore.amazon.com/48days0b-20) and sell other people's products for a profit share or percentage of the take for the referral?

5. I have 30 years of service; however, because I started at such a young age I’ll need to serve another 6 years to draw full retirement benefits. The management for whom I work are unethical, unprofessional, vengeful spiteful beings. I fear I’ll not be able to endure the stress and aggravation much longer. I have 10 to 20 ideas a month with commitment to none and no knowledge of how to bring any of them to fruition. Do you think it would be unreasonable to take the leap of faith? Perhaps the only thing more pathetic than the situation as it stands would be to work unhappily for another 6 years simply to receive a retirement check. Help!

6. I have been in the security/personal protection industry for more than 15 years. I have been significantly impacted by the recent rash of violent acts being perpetrated in places of worship, and have felt the strong desire to establish a security consulting firm (I have named it already: Safe Sanctuaries) for houses of worship. Do you feel this is a viable business concept where an income could actually be realized?

1. I am a teacher and have a good salary and benefits, but I honestly am questioning whether what I am doing is what God wants me to do. I have read No More Mondays and 48 Days To the Job You Love, and I am really wondering what all the hype is really about. Are these goals of finding yourself based in reality, meant for only a few, our just a gimmick? I do not want to doubt what you are saying, but I really have difficulty thinking that this program is based in the reality of today's economic situation.

2. I am 39 years old with a Psychology degree I have never used. When I graduated, I realized that while getting an education was a good think, I never knew what I wanted to do with my life. I have now begun job searching once again but find myself in the same position I was in when I graduated.

3. I have been working at a job for about 2 years, and I’m completely miserable. The pay is decent and also the benefits/yearly bonus. I’m scared to leave the "security" of my regular "job"

4. I have studied many entrepreneurs and successful people and most of them have gone through some sort of life trial which I correlate to becoming successful. I am concerned that I am not going to do well because I have not gone through that learning experience (yet). Your thoughts please.

5. I worked as a Registered Nurse from 1969 – 1993 and then I became disabled. Now I am well and have been having a hard time getting a job I like in nursing. I took a refresher course, but they all want recent experience. I am working 11 PM to 7 AM in a job I don’t like and I’m afraid the hours are bad for my health. I am considering a different type of work so that I can get on days. Do you have any suggestions?

6. I currently work as a chiropractor. Have been quite miserable for a few years now. Most facets of my job I hate, while I do enjoy building relationships, helping and teaching patients about many health related topics. I work as an employee and am very rushed for my personality type, after taking your test I realized exactly why I felt this way. I've considered changing career fields drastically - I am a professional, have excellent interpersonal skills, am very detail oriented but don't know where to look as far as other career fields are concerned.

2. How would you recommend dealing with negativity and cynicism in the workplace? Should I purposely avoid contact (as much as realistically possible) with the negative people? Should I leave or work towards a transition into a different job or position?

3. I love podcasting and blogging. I would love to make this my full-time job or at least a part-time job so that I can quit my boring day job. I do have a family to support.
Any ideas or direction would be greatly appreciated.

4. I am working on setting up a laser tag arena. I am going to try to rent/lease some land first and have it outside. How do I approach the owners of this property and work out some agreement when I have no start up money to buy this land? I heard you discuss about 30 Day lease with option to buy. But this is land is way out of my price range.

5. I've been in sales for 30 years. My formal education was in Marketing, Accounting and Finance. I don't do well sitting in one spot or behind a desk so I got into sales. I get bored and lose interest after I've proven I can do it. Many people have said I should start my own business, but doing what? I can't seem to find a passion for any one particular area.

6. I am a Chinese and in China now. I am finding a job now, but I realized that I need to find myself first. I am kind of losing directions, to be exactly, I never have one. I want to change to something new, but don't know what talents I have, nor do I know my interests. I don't know where to go or what to do. My confidence and enthusiasm are completely destroyed. I even want to go to an unknown place where nobody knows who I am. But I have no idea of what to do there. I am tired and feared with this mess in mind. Cannot figure a way out. Will you be able to help me?

We’ll keep using “Taking Care of Business” as the lead-in music. Many of you said this has become part of my brand and you don’t want it to change.

We’ll keep the length at 48 minutes. Again, many of you said that’s a reasonable length and plays off the brand again. Some asked for longer – no one suggested shorter.

We’ll maintain the variety in questions answered. Many of you said that even if a particular question did not relate to you, you enjoyed having the information for family, friends and just informed conversation.

A significant number of you were open to having a theme podcast – not regularly, but periodically. I will do that.

Also, you are open to having an occasional guest. Either a well known businessperson or someone I’ve worked with who has knocked it out of the park. Again, I will certainly do that.

And here are some of this week’s questions:

1. I am a residential builder/remodeler in Atlanta and have been through the ringer. In 2005 I had my name on several spec homes -- and my wife and I filed a CH13 bankruptcy. I have tried since late 2007 to rebound my life, my business and finances. I haven't lost hope but I just don't know if I should temporarily shelve the business and work for another company or tough this out.

2. I'm kind of stuck. I just graduated from college with a degree in Psychology. I have no experience in that area and I don't even think I'd like it. I just needed to get out of college. I'm not even sure what I'd enjoy doing for the rest of my life. It's very difficult for me to find my strengths since I haven't seen them used. I would appreciate a little push in the direction of finding my strengths and what I would like to pursue from the beginning point.

3. Would it be a good idea to hire someone to sell my product? I was considering bringing someone in to work based on commission. If the individual is successful selling, it would appear to me that he would be more valuable to the biz than anything else. Could that person demand more compensation or just leave and become a competitor of mine and do it himself?

4. I have enjoyed reading books out loud and reciting poems in front of an audience. Now with the availability of podcasting I would love to record my favorite novels and poems and distribute them on the internet. However, I am not sure what the legal implications are regarding copyrights.

5. I am 31 years old and have been working since I was 15. In that time, I've only held one job for over two years. Now wherever I apply, I'm labeled a "job hopper." Now that I've finally figured out what I want to do career-wise, how do I get over this hurdle?

- Should I change the intro music?

- Should I answer more questions with shorter answers or fewer questions with more in-depth answers?

- Should I have podcasts with only one theme (e.g. eBay business, coaching, taxes and licenses, etc.)?

- Should I have guests periodically – with a particular theme?

Just shoot any ideas you have to askDan@48Days.com --- Thanks so much!

1. I am interested in doing some reselling. I'm concerned about doing it legally and without a lot of overhead. Do I need a permit to do this? Beyond that, do I need to get a taxpayer ID / form a company to do this? Do I have sales tax or other tax obligations?

2. My question is this- have you considered an artist seminar out at the Barn? I have heard you say that you have worked with artists on how to get their careers on track and the different options of marketing, agents, galleries and so forth. Do you have anything like that in the works?

3. Dan, my dream has come true!!! I will be managing this salon, recruiting the stylists, working my own hours and I WORK FOR MYSELF. Can you imagine that in the land of FAMINE, there is still a God that can bless and open doors despite my circumstances.

4. I’m 53 years old, bored with my job, not learning anything new, not intellectually stimulating. I don't know what my God given talents, skills are. And I wonder how do I go about finding out what my passions are, what my Goal should be. What is it that God wants me to be? Please help

2. I am an educator and I see great value in your materials for young people. Have you considered creating content for the kindergarten through high school audience?

3. After reading 48 Days I feel confident I'm called to be a novelist. It may be another year before I can have a finished product ready for publishers to consider. Should I tough it out at my present, ill-fitting job and keep working toward my dream, or try to find something else?

4. I am debating between an e-bay business and a delivery business a Dry cleaning delivery service…. What should i take into consideration? How should I make this decision and not regret it later???

5. I commute about an hour and a half one-way everyday to my J-O-B. I leave about 5AM and get home about 6PM. I am looking for a creative idea as a sideline business where I can leverage my time in the car and still create extra cash.

2. I was very average in high school and was told I was not college material. I feel I'm being pulled to do something better -- more meaningful... maybe going to college. But I'm terrified at 47.

3. I am a very creative person and I have a Leonardo Da Vinci notebook full of ideas and inventions (20+). Fear stems from no money for my ideas. Should I seek out investors, legal counsel, ???

4. I have been out of a FT job since 2004, and very discouraged. I want to pursue my calling, art, but realize that my wife and I need $ now. We have pond-scum payday loans to pay, plus other debt. Should I deliver pizzas?

5. I have no sense of joy or accomplishment from a days work. I really enjoy the creative side of work. Is it feasible to turn my interests and passions into a business that will flourish and be able to provide for me financially? Part of the problem is that I am not a salesman.

2. I started back to school part time in January toward my dream of becoming a speech therapist. Is taking a big step backwards ( lower level job) to get where I want to go really as bad as people are trying to convince me that it is?

3. I love what I do, but I only represent one company. I have the opportunity to go on my own and potentially at least double my income AND represent many companies. My question is, historically I've been a "poor dad" type who looks towards the long term "stable" position. When you look at opportunities, do you look long term or short term?

4. I want to teach single mothers on welfare how to find their purpose, get rid of debt and grow wealth, and not depend on the government to take care of them in the long haul. I am currently a laid off mother of three on welfare. How can I do this with no money, experience, debt, and while I don't feel empowered myself? Where do I start?

5. I have been looking for jobs for the last year and I am still in the same dead end job. I am at my wits end and have basically decided that by my birthday of next year I will kill myself if I am still here; that is at least one goal that I can attain at this point. I don't know what my purpose is, don't know how to find it and surely at this point am tired of searching.

What does having “hope” really mean?
What is our strongest resource in tough times?
What can you offer to others who are struggling?

I then threw in a tip from Dr. West Conner on how to listen to this (or any) podcast 40% faster.

Then on with the always intriguing questions:

1. I'm one of those people who took a job they really didn't like (teaching) just to take care of my family until I could find something that I did want. Your counsel reminded me of Russell Conwell's book "Acres of Diamond". Could you please elaborate on that?

2. I have an idea for a new business. Where can I go to ask someone to see if my idea will be profitable without being taken advantage of? (My answer may surprise you.)

3. My wife is a massage therapist and I am a home inspector. Would it be a good idea to find more business capital and where would be a good place to acquire it?

4. Can you tell us how long it took for you to take 48 days from "some notes in a binder" to a hardback book? Did you do self publishing in book form before it was picked up by a publisher? I have heard you say that you were selling the binder for $39. What were the pros and cons of moving to a $19 book whose profits you share with a publisher?

2. Why would God place me in a role that is not a good fit? I truly don't understand, especially after I was so certain He wanted me to leave. Please pray that I will get through the stress and troubles of this job. After all the stress and disappointment I have been through in last several years, I just feel like I have nothing left - I feel drained, spiritually tired.

3. I have several cutting edge "game" ideas that are itching to be launched. One of which is a puzzle game that would require hundreds of "photographs and images" that I'd acquire from stock photo websites. Considering copyright laws, do you have any input on the legal/financial feasibility of ever making such an endeavor work as an income generator?

4. I have been sending my resume on Careerbuilder.com to places. I was wondering if I should call the contact person as well to see if I could talk to them to get the ball rolling more, or just leave them alone and wait for a response. I haven't read your 48 days book yet, but I am planning on buying it.

5. Thank you for this opportunity to ask a burning question that is in my heart. I have been a part of a large congregation for over 18 years and I don't believe that I am walking in my God called purpose. I am there but I am not fulfilled. I don't want to leave but I feel like there is nothing there anymore for me. What is my problem?

2. I have 30 tax clients currently and am looking for an inexpensive yet effective way to grow my individual and business client base more quickly.

3. I was wondering about putting affiliate links to some seed companies and other general gardening e-books at the end of an e-book I am working on about growing and using herbs.

4. I stopped dreaming so long ago that I can't even remember what I loved to do. I just remember loving baseball more than anything else. Maybe I should get a glove and a ball and find a wall and play catch with myself for a dozen hours, and my dreams might start to come back.

5. I remember that you mentioned in your "48 Days" book that anyone could ask to be a distributor for a book. How would I go about doing this?

6. I want to give away clothes...and I do. I rented a storage unit and filled it up with donated clothes that I give away for free on Saturdays. How can I make a business of this? I love it, but the people I serve are pretty poor, hence the free clothes.

1. How can I get started--or at least begin planning for--spreading the word and blanketing the land with the 48-Days message? I'm a 52 year-experienced man who has a passion for helping others implement their passions. How can I partner with 48 Days to spread the word and equip others?

2. I'm sure you've gotten this question before - what are your thoughts on the Amway business? Both Donald Trump and Robert Kiyosaki have stated that they were in favor of this type of business model.

3. I would like to start a career in sales and marketing -- how can I get started working in this field? It seems that the posted sales and marketing jobs in my area all require previous experience, which I need.

4. I have a friend that invented a ladder for the top of a van that slid off the edge of the roof. It seemed like a good idea and a major ladder company was interested. The patent cost him over $30,000. He is a painter like me, and has had financial problems ever since. The ladder never went anywhere. It's one thing to say there are a lot of inventions out there waiting to be developed, but how do you really develop them?

1. Why do people who get money quickly sabotage their “success” and what can you do to be ready when your ship comes in.

2. Are there books in the “public domain” that you can make your own and sell for a profit? And the answer to that is a big resounding YES!

Then the frequent but certainly never common questions continue:

1. I'm 27 and I'm looking to start my own photography business by taking photos of properties for realtors. But I'm feeling apprehensive still. I've figured out that I'm afraid of rejection and ultimately, failure. I know that these things are part of being an entrepreneur, but I'm still having trouble getting myself motivated to take the first step.

2. Good news, my "real" job only pays $1200 a month (full time) and my self employment pays $900 (20 hours a month). I'm pretty certain I can build it up more, but I'm scared to let go of the "safety net" of the J-O-B. I'm scared to let go of that fairly certain $1200 a month. Should I try to tough it out for another year or should I quit now and try to build up my own business. (working as an employee at another business makes my skin crawl!)

3. I'm a single mom of three with a lot on my plate and I hate my job. I am unable to meet the required expectations and suspect that I will be unemployed in the near future. I'd like to start an internet store geared to encourage women to take quiet time. I'm looking to carry a variety of books on family, finances, developing a relationship with God. Also I'd like to carry bath and body products, gourmet coffee and chocolates. What are your suggestions?

5. Dan, you often ask people how are they going to position their product or service? Exactly what do you mean by that?

6. I am at ROCK BOTTOM! I'm broke, unable to work due to numerous health issues and really don't know where to turn or what to do. … I would have never imagined I would end up in this situation at 44 years of age. I feel pretty worthless and depressed. I am so ashamed of everything that has taken place and where I am today. I just don't have a 'purpose' anymore and am desperate for money to live on.

2. I see many articles regarding getting re-educated etc to get a new job, however there doesn't seem to be anyone addressing the situation of the older person who loses their position through no fault of their own. I am well educated, healthy, well groomed and get along well with others but I have not been able to find new work. My resume has helped me land several good interviews. I walked away feeling very good about the match of my talents to the requirements only to find later that I did not get the position. I feel strongly that it is the age issue. What is an older worker to do??

3. For 46 years I have been teaching music lessons from my home studio -- the occupation I love. Investments I made to sustain my later years vanished, and tuition income has dropped from 84K to 24K a year. On my web site I post free video music lessons and student performances, plus sell DVDs. Now age 70, should I sell my home, downsize and retire or get a reverse mortgage to pursue e-commerce and continue teaching?

4. You mentioned several years ago on one of your radio shows that you used to force your children to listen to inspirational tapes when they presented a bad attitude. My wife and I are currently experiencing this with some of our children and I wanted to know if you have any particular titles of audio products that you would recommend for the purpose of building good attitudes in our children. I think that this is a much more productive method to take than traditional punishment in this area and thanks for the idea!

5. I have found that HR departments, despite all protestations to the contrary, are utterly beholden to the Carnegie method (smile, compliment, etc.) and hire almost exclusively on superficialities rather than core competencies. They hire people for the same reasons most people choose one appliance over another – it fits their décor.

2. I have spent the past 2 years trying to find God's Will for my vocation. I have resolved that God designed me to be inclined a certain way and that I should pursue what I truly want: Med School (Psych/Endo) I have ALWAYS wanted this. I work as a design engineer and have a BS in Counseling Psych and need about 2 years of Chem/Bio to apply to Med School. I really WANT it and would regret not pressing forward. Would you say go for it?

3. In these tough times a resume just isn't cutting it, would you approve of me using a Flyer with catchy images and my past bartending experience on it? I think it would catch the employers’ interest quicker than the plain old resume. What are your thoughts?

4. My question is once you give a verbal agreement for a job offer is it too late to try to negotiate for higher pay? I don't want to seem unprofessional but after giving more thought I think I should be paid more (the job is as a legal collector for a law firm). What should I do?

5. I am having a hard time with the first suggested reading book from you -- Napoleon Hill's Think and Grow Rich. The part I'm up to is autosuggestion and repeating over and over and visualizing money. Filtering this through a Christian mind set is very difficult. It just seems wrong meditating on money and filling my mind with ways to obtain it contrary to Biblical teaching……. After reading your book and being so positive I was inspired to fill my world with such positive material. And now this 'stumbling block' -- or is it. HELP so I can keep moving forward.

6. I am a 50 year old man. I lost my job in November after almost 27 years with the same company, 5 years short of early retirement. My experience is in IT, but most of my skills are in older technologies that aren't in high demand, so I haven't found anything yet. I believe I'll get another job eventually, but I'm heading back into IT even though my heart says I should be self employed. I have an idea for a business that I believe is a good one, but I really don't have a plan and I'm struggling with finding out how to get it off the ground.

1. I would like to hear more of your thoughts on failure. What does a "successful failure" look like? How much should we risk in pursuit of our dreams? I doubt you would suggest that we risk our marriages, health, homes, etc. while seeking to reach our goals. What do you think is the right balance in this area?

2. People are asking me to help them start the same business I am in. How can I not be stingy but also not create my own competition?

3. I am a 41 (next week) year old single female - been told that I am very attractive, I keep in good shape, I have a Masters Degree in Public Administration, I am friendly with a great sense of humor and I love the Lord. …I struggle a lot with loneliness and my utmost desire is to be married and have a family (I am divorced 10 years now). … How do I find my calling when the desires of my heart are so glaringly missing?... How do I put my costume of the "career woman" on again when I do not believe deep in my soul that that is all I am meant to be?

4. I’m a single mom and recently lost my job. The day we were all let go we went out for some drinks and I received a DUI SO as of right now I am unemployed in litigation with my home and dealing with a DUI and not being able to drive. I am in a terrible place and see no way out and can’t help but feel totally helpless -- the depression alone is killing me.

5. Now that I am working on my own I often find it difficult to manage my time. With no boss looking over my shoulder and no clock to punch I find some days I let time slip away and I don't get as much done as I planned. I end up working late into the evening trying to catch up. Can you recommend any programs or resources on how to manage my time better so I can work productively during the day and then enjoy my time at night with my family?

6. When it rains it pours.... Like so many, my husband lost a business and is hanging in there working for others. We have scaled way back but can’t seem to come up with money for groceries. Last Friday I had a heart attack (51) ..... out of blue. I have no risk factors, smoking, weight issues, etc... Is it right to go ahead and apply for jobs in light of my new health challenges....

1. I lost my job last December, my Wife and I fight all the time now because I can not find a job. I’m at the end of my rope and it about broke. Now what do I do? I've prayed and still no answer from God. Seems that my prayers are not heard.

2. When I apply for a job thru career builder or other jobsearch sites I have NEVER received a response or call for an interview. Why? My resume' is posted on the different job sites.... no recruiter has ever called me. What is going on...?

3. I am a Nurse.14 months ago I started an on-line pet jewelry site. Everyone loved the idea. One problem, my site and shopping cart was not designed well or user friendly. I generated interest in the product but, made no sales from the site. I am discouraged, and not sure if I should continue in today's economy or just call it quits with this product for now.

4. I am interested in starting my own retail business selling maternity clothing & accessories & nursing wear. How do I find out the average profit for this particular type of business in a town my size & the average start-up cost? What advice would you give to someone considering this?

5. On several occasions I’ve had neighbors ask me to paint their home. I’m not a painter by trade nor do own such business. My neighbors must admire the work I did on my own home, so they look at me as an alternative to hiring a pro. My dilemma is determining a fair fee for such a service. Any advice on pricing? I’ve never had to charge for such a service.

6. Hi, Dan. I feel like I am on the verge of a breakdown. I want to take a short leave of absence from my job to try to get things under control. How do I handle this without my employer thinking I am cookoo? I just need a break. I am a wife, mother, work full-time, take care of an elderly parent, you name it. ~Signed, Very Overwhelmed in Georgia

1. Okay so I am facing really impossible odds, a family who is unsupportive, abusive at times, a church family who has misunderstood me and financial and housing woes. No help from anyone. Not to mention I am worried about my health. When is it time to give up?

2. Dan, Help me, I'm miserable, my current job is literally ruining my life. I'm a fairly young man with a family I feel I'm stuck in my current position to "pay the bills" but it is making me severely depressed and affecting every part of my life.

3. How do you create your podcast? I would like to create my own podcast, but do not know how to get started. Any help would be great. As always, thank you for your TREMENDOUS ministry.

4. Thinking of starting a career/life coaching business. In light of the economy and the wave of layoffs that seem to be in the news lately, is it practical to start a career/life coaching business? Is it reasonable to think that this would be successful, when folks with and without jobs are holding back on their expenditures?

5. Any idea on how the natural and holistic health field might be looking in the near future? I hear it is growing because more and more people are looking to prevent illness due to lack of health insurance and such.

1. I’ve created a 20 page ebook on "The #1 Key to Speak Like a Pro. My question is about price. What do you think is a good asking price for this kind of resource?

2. I want to sell rum cakes to restaurants. I’ve come across a major stumbling block though. As it turns out, the state will not certify someone who bakes from home. How would I be able to overcome this obstacle?.... How can I write my own success story?

3. My wife loves what she does for work but doesn't like where she is doing it. She's built up a steady clientele (female skin enhancements) for herself but this is just making her boss more money. The big issue is she signed a "non-compete" clause that says she cannot work within 25 miles of her existing employer for 1 year if she leaves...is this legal or possible to get around?

4. I want to make my writing a full-time career, but how do I start? Typically, I write non-fiction satire as that is what I'm living. :) But I'd love to go into more of the creative writing/screen writing avenue. How do I jump start the drive that's inside me and make this dream a reality?

5. I have been following your job search plan for almost 2 months and have not received any job offers. Most of the decision makers I have spoken with have indicated that my abilities would be useful to their organizations, but they are not hiring. Given this, I suspect that I need to improve my ability to close the deal. Do you have any suggestions for how a high S, high C personality might improve this aspect of his search?

6. I HATE my current job. I have an interview in the next few days at a place I would love, and a job I would love working with special needs children!! However I would go from a salary of $45,000 to about 12,000. I would love what I'm doing. How does a Mom of 3 make such a decision? I need to support my children yet HATE what I am doing now.

Okay, here’s a sampling of this week’s questions:

1. I have ideas for spiritual books, family books, professional books, etc. Am I too broad in my focus?

2. I am 38 years old and what has stopped me from pursuing my dream of writing fantastic fiction full time (horror and sci fi) are certain Christian friends of mine who say its a sin to write that stuff. But I love that stuff and am a Christian myself. How do I know God is calling me to it if so many of the faithful think its wrong?

3. Hello Dan, how do you feel about programs like medi-share, a Christian healthcare plan versus a Health Savings account?

4. I have been completely sickened with the way my employers conduct their (construction) businesses. They way they handle their finances and simply the way they treat their subcontractors and clients. A large part of me does not even want to be associated with the construction industry, because of the horrible reputation it has in my area. Should I start my own construction company or look in a different direction?

5. I stopped taking customers for my wedding planning business – so I would have time to create my business plan. Then I plan to borrow money to start my business up again. (Sounds like she killed the golden goose so she’d have time to draw a picture of a goose.)

2. Is this foolish to try and pursue freelance architectural work given the current situation of the housing market?

3. Where can I buy new video games at a bulk rate to then resell them on eBay individually?

4. I am a 58 year old pastor who needs an additional income but I don’t know where to begin when it comes to an online business. Can you help?

5. There's a lot of discussion around Mastermind groups and their effectiveness to build one's career. Does the group have to consist of everyone from the same occupation or like business owners? How often should a mastermind group meet? What is the ideal size, or maybe what size prohibits productivity?

6. Every job I get makes me feel like the life is being sucked out of me. I try to talk myself into liking my job. I feel like I am being stifled. How do I know whether or not I’m just being "picky"?

If circumstances determine our level of happiness, then we are all very vulnerable. If circumstances threaten our closest relationships, then they were not built on solid principles originally. Only as we look past the day-to-day challenges will we have the confidence that nothing can derail us. Focusing on our priorities and long-term goals, we can hold our heads high and keep moving forward with joy and positive anticipation.

This podcast is about 20 minutes of encouragement to make lemonade when life tosses you a few lemons.

1. I am currently in a contract position in a pharmaceutical company – with an opportunity to become a permanent employee in 2009. What advice would you have for negotiating salary and benefits?

2. I'm considering buying a franchise with startup costs of approximately $250,000. Are there benefits to buying a franchise as opposed to starting a business from scratch?

3. I have lots of good ideas for starting a business. However, can you explain to someone how to eliminate procrastination?

4. If I understand correctly, you started your career in coaching with linear income before moving on to residual. If you could do it again, would you (and could you) have focused only on residual income? Or was the work you did while earning linear income necessary for the residual?

5. I've always had an interest in becoming a life coach. I wonder whether you think this is a viable career during the current recession.

6. After speaking with my academic adviser she told me I need to start taking more classes or it will be 10 years before I finish. I can’t do that! I work 80 to 100 hrs a week (no exaggeration) and taking just one class at a time has been putting a toll on my family life. I have decided to quit college. Is this the right choice?

- So, I have a business idea….what’s next?

- Any advice for website ministry to pastors

- I am a roofing contractor and am interested in going green. How do I get started?

- I am a single mother of twin boys, and my credit is prohibiting me from gaining employment in my skill set.

- My husband and I are going to divorce and as a result I will have to go back to work full time. How do I handle this in an interview situation?

- I know that each November you plan the next year. You have said that you plan to stop doing a certain percentage of things to make room for new things. Would you please elaborate on your process?

1. Should I pay a $25,000 franchise fee to make 6 figures?

2. I have one foot on the dock and one on the boat. How do I decide when to cast away?

3. Where I can I purchase books for “pennies in the dollar?”

4. I find it hard to write a resume “specifically tailored for each job.”

5. I am a 50-yr-old artist. Love to sculpt and paint but struggle with marketing.

6. I have not worked full-time for 9 years. How do I now compete with 20-yr-olds for jobs?

1. I recently retired (54 year old male) from the federal government. How can I still serve and contribute to society?

2. How do I create residual income in the craft business?

3. In interviewing for a traditional job, is the suit and tie the only appropriate male attire?

4. I'm trying to switch jobs but everywhere I apply you need 2-5 years direct experience it seems. How do I qualify for a job if I never even meet the minimum requirements?

5. How can you tell whether job dissatisfaction is from personal discontentment (no matter the job) or if it is truly a need for a change of vocation?

1. How can my fiancé find the top quality employers as a preschool teacher that will compensate her for her skills, talents, degree, and professionalism?

2. I have spent the past 20 years in the World of Information Technology but my real passion lies in music. Is it possible for someone like myself, in their early 50's, to pursue such a dream?

3. How do I launch a magazine?

4. I own a small bookstore, we sell used books. It is not a moneymaker, but it would be much better if I could own my own building instead of paying rent. I have looked at SBA and Grant opportunities - not great. Any ideas?

5. I'm sure you've been asked this a million times, but what if you have no passions, or simply just too tired to care anymore? I have a business but I'm running it alone (with occasional help from family).I just go day to day......

I’d like to get an article in Reader’s Digest – how do I do that?

I want to sell my business – how do I establish a fair price?

How do I build my client base for my accounting business?

I want to be in the music industry but don’t want to be in the limelight.

I sold a product on Amazon – and after fees netted $2.67 in profit. How can I change this?

- Now that we know who the next president of the God Loving USA is, how do we prepare our 2009 business goals in regard to taxes and income?

- Dan, what do you think of the concept of network marketing if the product is great and the training is exceptional?

- I was laid of from a job that I had for 10 years. I am currently looking for a part time job that will not interfere with my current job search. Do you have any recommendations?

- What’s the best way to handle the “Reason for leaving” part of a job application? In my case, I’ve been fired for not performing to my boss’s satisfaction. I’ve also been fired for conflicts with a co-worker.

- Where would I be able to find legitimate liquidation merchandise to sell on e-bay?

- I now work for an employer who I think is maybe not the most honest or moral person. Should I stay for the sake of my direct reports or start looking for something else ASAP.

· I know exactly what I want to do--writing--but can't find anyone to pay me to do it. I just want to find a job I love that pays the bills. What should I do?

· I am currently a burned out CAD Technician, looking to get into a career that can offer above average stability and compensation.

· What business can I start to include my 3 sons?

· I want to know the purpose of God in my life

· I've been in the field of education for 18 years. In order to move to the next level, I would have to invest in a PhD. I will never recoup that investment in earnings. Is it worth it?

· I am high in I (Influencer) on the 48 Days Personality Profile. Can you talk about the possible careers for this and some of the pitfalls?

· I’ve been fired and I’m suing the company. How do I tell a potential employer about this?

· How do I need to handle taxes as a self-employed individual

· I know what to do but don’t act – is there any hope for me?

· I have strong academic abilities but don’t know what to do with that

· How can I get paid for my ideas?

· Despite vast experience, successful leadership, implementation of many projects, and achieving unprecedented cost savings, I have never been promoted to Director level or beyond. Should I continue to humble myself, work as to the Lord and wait to be “exalted in due time,” ...or is it time to move on?

- What should I do if I know I want a home business but have no idea what I would do? I don’t have any unique skill or idea as a starting point.

-How do I know what to charge for my services? Business owners are asking me to help them conduct business in other languages.

-I have an idea for a business but don’t have the money to start. Should I borrow it or just wait until I can save it myself?

-How can I get your list of 48 low-cost ways to promote my business?

-What do I need to be able to do a podcast like you’re doing?

-I’m living in Sydney, Australia and am ready to buy a cleaning franchise. Is this a bad time to start a business of my own?

Here are some of the issues covered:

- Should I buy a “business opportunity” or is it a scam?

- I’m moving from “employee” to “independent contractor.” How do I become incorporated and get a tax ID?

- My wife is a 52-yr-old nurse and is convinced she’s too old to learn anything else. How can I help her see other opportunities?

- I’d like to be a millionaire in eight years. Can I use real estate as my vehicle for wealth?

- I’m 32 and have had two “dull and unexciting” jobs in my life. I don’t feel like I have any skills that an employer would want. How can I move forward?

Then I address:

· Negotiating a compensation package as a church staff member

· What is the difference between 48 Days to the Work You Love and No More Mondays?

· My wife is unexpectedly pregnant – should we stop all the plans we had for moving and getting new jobs?

· With the economy in such an unstable condition, does it make sense to start a business now?

· Dan, I can’t take action because I can't get clear on what I want. I have read, sat quietly, asked others but nothing grabs me.

2. Hi Dan - I have recently started my own business which provides a very specialized service to a niche market. I have a list of approximately 70 potential target companies in Tennessee. What is the best way to approach these companies to introduce myself and the services I provide?

3. What are the best ideas veteran teachers have come up with for getting out of the classroom and still making a living? I am an excellent teacher with on going resume building experiences in education but I am tired of the "system" teachers have to put up with.

4. There is a provision in my State's law that allows manicurists to offer services to individuals in health facilities. I would like to offer natural manicure/pedicure services to women recovering from child birth in maternity wards at a few area hospitals using nail polishes that are fume-free and safe for breast-feeding women. Would love to hear your thoughts.

5. Hi Dan, I'm 48yrs. old, & approx. 1 yr ago, I left a good job/benefits/salary in Corporate America to pursue something more meaningful. I thought that I would pursue my calling into FT Ministry or perhaps Seminary. 1 yr. later and I'm not in either. I'm now considering Teaching, but not sure. I'm running out of time & $. Can you provide any insight?

2. I'm a married, 28 years-old pastor finishing up my Masters of Divinity, paying for school as we go. In my church, we have a “glass ceiling” regarding income potential. What are some ways that I can increase my potential earnings in a church setting?

3. I have seen many people succeed with out a degree or schooling for that matter, however my parents and in-laws pound it in my mind that I will never win or succeed with out getting a degree. I am not leaning to the idea of being lazy; but I just don’t fit well in traditional boring class room environment versus on the job training and apprenticeships.

4. I get excited about your train of thought and even imagine how great it would be to apply the methods you mention in your programs to my own life yet when it comes time for action I end up watching mindless television re-runs and obnoxious commercials. Am I lazy, scared, lack self-discipline or all of the above?

5. I am a teacher with a job I cannot be fired from, a 10% pay raise each year and benefits I do not pay for. So what's wrong! I hate my job. I have experience with the food industry and an MS in marketing but 7 years since I was in the marketing world. Employers want to know why I want to switch now. Also I am mid 50's.

2. Dan, I am in a real bind. I work as a bookkeeper for my family's business and handle all of my parent's personal bills. I DESPISE this position. The way money is being handled makes me really disrespect my folks. I want out. I'm sick of worrying about my parent's financial situation! How can I cut the chords without severing ties??

3. How do you combat the isolation of working from home? This month marks my one year anniversary working from home. I'm really getting lonely. I'm so busy working I don't have time to network. I really wish someone would just walk by my desk and say hi, almost to the point of getting a 9-5 job!

4. Dan, I'm 55 years old and finally following my dream of doing something with my love of art that I've had all my life. I'm doing wood sculpture similar to what was done on your property that you mention in your book. How do I go about getting my name out and what I do?

5. I quit my job to come home and care for our son with special needs. My wife works full time. I'm having trouble formulating my dream. I like lots of things. Most of my work career has been in journalism and pastoral ministry. How can I create a good supplemental income from home?

2. How can I find out what color my parachute is?

3. Dan, I've heard on your podcasts you have sold cars to supplement your income. My son and I would love to start doing this together. I've sent away for a dealer’s license, but the application requires a business address and insurance. If you don't mind revealing, how did you start and where did you find deals?

4. I've tried selling eBooks and podcast subscriptions over the Internet before and found that there is so much free information available; it was extremely difficult to get people to actually pay for it. I think I've made about $40 total. How do we make people want it badly enough to pay?

5. Is there really life after being terminated from a position? I have had an excellent work record until this last position. Though I made many improvements, for many reasons, most political - I was terminated. I don't feel bitter or angry - just hurt and disappointed in myself.

6. Years ago I got an entrepreneurial opportunity off the ground only to get killed by the IRS because I am not a good bookkeeper. I have lived in fear of that experience ever since. I'm just trying to turn this seeming setback into an awesome opportunity and turning point in my life.

2. I was wondering if you might dedicate an entire podcast to raising kids to be hard workers and have a "No More Mondays" mindset. I need help being creative with my kids and helping them be creative in ways to make money.

3. Can you talk about pricing soft services like coaching and how to find the right price to charge?

4. I am stuck in a "RUT" I go to a job every day (commuting in rush hour traffic for an hour) that I know is not my calling --sitting at my desk for most of the day doing nothing and I am learning nothing. I don't know what to do.

5. What do you do if you want to start a business but every idea is either something you don't want to do, don’t know how to do or don’t have the money to do?

2. Should I leave a government job – “with security” – to go with something that has more potential?

3. Is it too late to start at 50 to find a career that feeds my soul and my pocketbook?

4. Is it wise to borrow money to cover my income while I get my coaching biz started or continue working full time?

5. The company I work for is losing money and sure to close down soon. Should I move on or stay to the end?

Thank you so much for the podcast with Jared. I am from Kenya and my village is crippled with so much poverty. I have wanted to do something with the women, most men are dead or gone. I wanted not to ask for aid or give the women handouts, I want them to use the available resources to make money and come out of poverty. My village is pretty small and I know this can work. I just had no idea how to implement this whole thing. I need to sort myself out in terms of getting some income and then achieve this long term goal that I have. Thank you so much and to Jared, you are a jewel in Africa we do not need Aid, we need to get out of the poverty ourselves. Grace Onyango

And then the usual questions:

1. I have a lot of academic and volunteer experience in the field of disability services. As a person with a disability I would like to coach persons with disabilities and/or their parents in life success strategies and navigating programs for the disabled. Is it reasonable for me to think that I could have a business coaching persons with disabilities up and generating a decent income in the next three to six months?

2. Dan: I have been through the 48Days course and I wonder if I could adapt it to teach as a technical college continuing education type course. I am currently teaching at a two year technical college in Commercial Printing but I talk to a lot of students (old & young) that have no idea what they want to do career wise that fits their gifts & abilities. Any ideas?

3. Dan, My wife is staying home with our newborn, and I'm trying to find some creative income methods to supplement our greatly reduced income. What do you think about a small carpet cleaning business? It appears that the only startup costs are approximately $1,000 for the equipment. I figure doing a few houses on the weekend could net me somewhere around $8,000 to $15,000 per year, which would make a big difference to our $55,000 household income.

4. I’ve always worked hard and done my best. 3 years ago I became a manager, but I’m not happy. I just don’t care about the job. I can’t afford to quit, but I don’t feel like I am doing any good. I am unfocused and forgetful and it’s affecting my entire life. I feel like I’m failing my family.

5. I cry EVERY day. Single Mom w/3 kids no support. Currently working as paralegal because of high pay. HATE IT. Working through your 48days book. Need your encouragement, please. Tell me I can work this out and still feed the kids. Monthly bills $4000.

In this podcast I have my son Jared as my guest. Jared is executive director of www.sistersofrwanda.org in Kigali, Rwanda. He has a great model of working with the women at the bottom of the ladder economically and socially, and has now created a model where they can earn significant income while providing funding for the organization’s administrative needs as well.

I love this growing awareness of “social entrepreneurship” or the understanding that we can shift capitalism to create good. Many of us come from backgrounds that make us question if making money is somehow moving away from doing true ministry. I am convinced it is the most effective and most direct path to actually increasing our ministry efforts.

Jared and I explain how his organization has become self-sustaining and how you can take your idea and do the same using “social entrepreneurship.”

2. Okay Dan, I've listed my skills, interests and personality characteristics on paper, it was a great exercise! But now how do I integrate this information to come up with the right business ideas?

3. Any advice for a mom of 4 kids (who has been a Stay-At-Home-Mom for 10 years) to prepare for eventual employment in the next 3 years when the baby starts school full time? What can I do now to be prepared?

4. In my pursuits of purpose and increase in income I have a hard time with tithing. I've tithed for years and in this last year it has been a hard struggle. What do you do? This is my money. I truly care about God's Kingdom but I also have pursuits that I care about and want to invest in. It always seems that after you tithe you don't have enough and then you're expecting to "hold on".

5. I have been a metal fabricator for over 15 years. I am stuck at $39k a year. I love what I do for a living, just not the wages. What direction can I go with all that I know, that can place me in the $65k to $90k income range?

6. I noticed in your most recent newsletter that you would advise someone whose spouse is not on board with anything "revolutionary" to just go ahead and get a regular job. Did I read that correctly? My spouse is not supportive either, but I have every intention of doing something extraordinary and proving to her that I can do it.

2. You have talked about setting up a system where products you sell on a website could be shipped directly from the manufacturer and you do not have to mess with carrying inventory etc. How do I set up such a system (through a fulfillment house) and how do I find product manufacturers that would do this.

3. I want to be self employed with no employees. I have 2 to 4 simple business ventures I could begin, but I am unsure that any one of them alone could meet my long term financial needs. What is your opinion on managing a few ventures where the sum total of their income does meet my needs? Have you seen this approach successfully used?

4. Dan, I love teaching and working with kids in the outdoors, primarily through Scouting. However, it's pretty hard to replace a $75,000 income doing either of those things. Any thoughts on how I might turn these passions into a viable profession?

5. Thanks to Dave Ramsey we have no debt except our home and we are working on getting it paid off. However, though we bring in $130k/year (70k for me, 60k for her), I am MISERABLE. We have financial goals that seem to force me to stay in a job I DETEST! Should I try to transition now or wait until we have the house paid off?

6. Dan, I have an idea about starting a business making video resumes for people. I've made my own and gotten positive feedback. Is there a market for this and where do I start? Thank you for your ministry! I left teaching after 13 years and can't tell you the peace I feel at the thought of NOT going back in August!!!!

2. I am on Social Security Disability and am very disabled. Cannot handle any kind of stress without passing out. No money to start anything. Cannot afford necessary food, or your books and packages. Intensely desire to be like an ancient man named Enoch, or another named Jesus. Does that make a living?

3. I want to start my own business, however I have no desire to ever have any employees or manage people. If I have a service business such as lawn care, how do I grow my business without hiring employees? I fear that the business will eventually die because I turned down jobs based on my time limitations.

4. I will be 45 this year and have only had one job I loved and have failed at about everything else I have tried. I am sure I have found a new passion and want to work for myself but of course the FUD factor is blinding me. I don't want to let down my family and be seen as a failure again. Any Ideas???????

5. I am almost 60 years old -- Lots of experience training, teaching, facilitating workshops. I am tired of working and have a passion for speaking and training. Problem: I am scared to death. People tell me I have a great speaking voice, I always get standing ovations, but I am usually frightened to death until I get on stage, then I am fine. It takes me forever to put together a speech because I am so scared of failing. I just need to get started but don't know how. Please advise.

6. In a recent podcast you spent a great deal of time discussing resources such as books, audio, teleseminars, tradeshows, etc. and you highly recommended that people should immerse themselves in all of the available information for professional growth and development. I love to do just that! However, I have found myself wondering how to avoid "paralysis by analysis" and actually put ideas into action. I can get caught up on the latest ideas and lose focus on a profitable plan. Any suggestions?

2. Other than Matthew 6:33, what does the word of God say about job hunting? I have been looking for over a month, have a great coach and still no success.

3. I want to create an internet based business because I want to work at home and create my own schedule and it has no age discrimination attached to it. Here’s my idea... Made to order organic t shirt business (online only) I'm trying to find suppliers that will make as the orders come in. I worked in the fashion industry " one of the jobs that was on my "I want to try..." list" I observed women had a terrible time with t shirts fitting right.

4. I hate the current job I'm in. I'm 32 years old and I drive a forktruck at a factory here in town. I'm really burned out on my job and I'm not sure how much longer I can keep this up. I really enjoy drawing and I also am passionate about cars. Do you have any advice on where I should go from here?

5. I followed God's call in ministry for over 20 years. Two years ago I attempted to transition from ministry into something outside the local church. What direction does an ordained minister go if not into ministry, social services, or parachurch organizations? I want to start my own Christian apparel line, but do not know where to start.

6. When doing consulting, how do you decide how much to charge? I want to be fair to people, but I also don't want to price myself out of the market. Just doing simple math, my salary at my old job works out to $60 an hour. My consulting job is literally the same work I was doing at my company. Is $100 an hour fair?

1. What kind of entrepreneurial choices are available for someone whose personality is that of a follower instead of a leader? I'm the type of person who enjoys working in the background and letting others manage and network with customers.

2. I have a passion for helping people work through addiction recovery. I want to write a daily devotional to help encourage them. Even better: make an audio recording they could download and listen to whenever they chose. I'm trying to get out of my day job. Do you this idea can work?

3. Dan, I am an extremely introverted person. I have been very successful in sales for almost 20 years but have been miserable the whole time. I come home to my family but just want to be left alone because I am so drained at the end of the day. I love doing research and collecting motivational and Christian quotes but don't know how to convert this into a career, particularly one that will replace my current salary ($100K/yr). Thank you!

4. Dear Dan, Could you recommend a few books on marketing that would be applicable to churches. I am currently the full-time minister for a small congregation but I see myself moving on to another congregation in the next couple of years and I would like to position myself as a church marketing expert. Any suggestions would be helpful.

5. Dan, I was contacted by a recruiter who scheduled a face to face interview regarding a job opportunity. While at the meeting, I was told, "you need to take this crap off your resume" referring to the 6 years I was a stay at home mom. In it I outlined my volunteer efforts as a Church Secretary, Co-Youth Director, and PTA helper. I was offended since I consider the time I took off to raise my kids as the most rewarding job I've ever had. I just wanted to know what your thoughts was on this, and please, offer any help you can give to women (or men) who may be up against the same hurdle.

6. I'm 44, in a job I loathe (for 20 years). I don't really know if I have a passion for anything anymore. I've lost myself through the years. How can I find what my gifts are and find my passion to work for myself?

7. If you only had 7 days to live who would you call? What would you do? Why?

One of the most common questions from readers is simply how to find an idea worth pursuing. Questions like these.

-My problem is lack of ideas and forgoing a steady revenue stream.

-I can't think of a home business that interests me.

-How can I train myself to think more creatively?

-Need new ideas to generate extra income.

-I the biggest obstacle is finding something I am passionate about.

-What if I don't have a unique business idea?

I talk about how unwelcome change may be the catalyst for your great idea – if you are paying attention. (Example – Dave Ramsey) I tell the two books that every successful person has read, which magazines I read, and how two hours a day transformed my own success.

6. I've begun to write bite-sized Christian devotionals for women and I'd like to be able to get them published. I have never written anything for "publication" before, but I feel I have testimonials and encouraging messages to share. I'm writing on my own--not in a writers' group; can these devotionals actually get launched? Any guidance?

I begin this podcast by sharing about a lunch meeting with an up-and-coming music star in Nashville. Then I spend the rest of the time dealing with this all so common question – How can I possibly start an idea of my own without “enough” money? We had 4685 questions submitted for our recent 212ºConnection teleseminar. Probably 800-900 dealt with this issue. Here’s just a sampling – then you can listen to my reasons for moving ahead even if you have zero money!

1. I have worked for a single employer for 30 years. I can retire now with half of my present income with no benefits. I need to earn enough money to make up the difference plus health care my family(wife and 4 kids ages 6 to 13) The idea of self employment sounds like a great adventure from the present torture of my current job. I am 49.

2. My greatest concern is that we have so much debt that I feel like we will never get out of it so that I can pursue my dream of owning my own business.

3. I need cash flow and looking for that is interfering with building my business - a bit ironic.

4. How do I transition form employee to entrepreneur without losing income.

5. My greatest concern is that I will be able to provide income for my family.

6. I have an idea of a business I want to invest in when I save up, but I keep hearing that I can start a business with no capital. But without the structure of the pre-set up business, I'm not sure I will every actually follow through...

7. My idea is good but what is stopping me is my credit. I don't think I can afford the start-up cost.

2. Dan, I have been employed by a large national company the past few years. While they provide me and my family a salary and security (IE insurance) I find the work non-rewarding. I am talking to a much smaller company where the work will be more rewarding, and an opportunity to do what I love, but the security of a large company will not be there. What factors should I consider before considering this job?

3. Why did you choose wordpress over blogger or other blog sites? Also, can you make money by using a blog such as teleseminars, e-books, affiliate marketing etc.?

4. Bank account: -$450. Business loan: -$100,000 with $850/month interest only payments. Mortgage: $250,000 Degree: No. Kids: No. Husband: No. Invested in business, economy collapsed and I lost everything. On the verge of foreclosure. How do I start over?

5. My very talented husband is trying to start his own internet business. He's tried just about everything from Jeff Paul to Carlton Sheets to FOREX to Quixtar etc. He's a great poet/entertainer and wants to sell his poems. Any suggestions?

6. Dan, I am writing a book to give to my children (and to sell) and want to have someone do illustrations and really make it look nice, like those on SimpleTruths.com. How do I approach someone with it without losing the idea and content? Thanks again for your insights and inspiration.

1. I have been saying for years that I want to be a full-time freelance graphic designer. My fear is the lack of a steady income and lack of health insurance. I feel as though I could feel stuck or trapped working at my job to make ends meet. I commute 80 miles round trip 4 days a week..I would love to have the freedom to work from home!

2. I'm a Baptist minister and at this point have little "extra" time. I want very much to have more time with my wife, more income, and more time for rest. I'm extremely tired, not in the best of health, and stressed out, maybe burned out. Are you able to help me?

3. How can I continue to stay in ministry and have a business of my own.

4. My family's business is closing up in July or sooner. I am concerned most about what I do next. I would love to work from home, but I am afraid of getting stuck with something that ends up costing more money than it can make for me.

5. My biggest obstacle is my family. To them unless you have a "real" job you are bound to be destitute. I just don't think I can stand the illness and strife that my "real" job is causing any more. As a single mom with 2 elementary aged children, how do I make the leap into self-employment with not only no support but ridicule as well?

6. Should I leave the current job I have even with the economy the way it is? Can I afford not to?

2. I listened to a pod cast of you recently and you spoke about your closed meeting you have with 11 other guys on Wednesday morning. May I ask what some of those books that you used for discussion were?

3. Dan Did you have any fears when you stepped out and found the work you love? What advice do you have for those of us who have fear of the unknown or no idea what we want to do because we've done what was expected--never making a plan to fulfill our dreams and desires? What steps can one even take to figure out one's dreams and desires? Help

4. Hey Dan. I am a Software Engineer making $57,000 a year. I am considering changing my career to becoming a Fireman. The truth is I don’t belong in an office and I am passionate about helping people and being outdoors. My wife is not very happy about the option since I would be making about $30,000 a year. She is a teacher and makes $35,000 a year. Should I stay where I am and just worry about providing for my family even if it means to hate going to work everyday?

5. As a licensed architect / mother, I am interested in child development through “block play.” Playing with wooden blocks develops social skills, knowledge in the physical world and introduction to math concepts. Could a business selling blocks and writing/ illustrating children’s books (while developing seminars and articles on child development driving traffic to my web site) be a viable business?

6. Hi Dan, I would love to start my own business but I am painfully shy. So much that I am uncomfortable talking to people face to face or by phone. Are there small business opportunities for someone like me that involves little interaction with customers?

2. I am a school teacher and have a love for photography. I would like to start a photography business during the summer going to place of work and offering my services to take pictures of employees in action for $50/hour. The hiring company would then own the pictures. What do you think?

3. Hi Dan--I became a fan of 48 Days and No More Monday's via Dave Ramsey. Can you tell us how your Eagles reading/study group formed and how your meetings are structured? I'd like to form a similar group in the Mobile, AL area. Thanks and God Bless!

4. I am starting a consulting business which will make me pseudo-competitors with a former boss and professional associate. It has been four years, but I know she has the potential to take this negatively. Her constant “put downs” of other professionals is one reason I left the company. Do you have any advice for this situation?

5. After 25 years at FedEx, I’m looking for a job. I love old cars, drag racing, restoring them Etc...I’m 49 and scared. Where do I start?

2. I'm interested in pursuing self-employment, and I want to talk to real entrepreneurs before I make a firm commitment. How do I find these people? I grew up in a home that valued science and education - I know where to look for scientists, engineers, teachers and the like. I've spent 10 years in corporate finance, and I know how to find other bean counters. Can you please provide some suggestions about where entrepreneurs and the self employed are likely to be found?

3. My wife has recently started a transcription business. Since 1099 work is new to her (us), can you recommend any resources (web or printed material) for 1099 "dummies" in the area of self-employment taxes, deductions or other practical suggestions that I am sure we are overlooking. This business is currently supplemental income as the majority of our household earnings come from my salary as a pastor.

4. I have decided to follow my dream of being an artist. I already have plans made that includes an ebay store. At the moment my biggest problem is my own procrastination. How can I conquer this problem I'm having.

5. Why are you not using talkshoe.com or some other system to stream your show live and/or accept audience calls?

6. I am 25 and currently have a bachelor of fine arts degree with an emphasis in painting. After two years out of school I have not acquired a "real job." I currently teach yoga and work as a server. I am contemplating going back to school to become an occupational therapy assistant but I am hesitant because I am still paying back student loans from my first degree. I would enjoy the security of a 9 to 5 with benefits but in the end I just want to help people.

I also talked about how more education frequently traps people rather than giving them more options. Having a PhD., M.D., DDS, JD, DMin or whatever may reduce your perceived options for moving forward. And how making a lot of money may appear to be more limiting than if you’re broke.

And of course I answered lots of questions like these:

1. Dan, I would love to start my own business doing what I do now, but will have a 24 month non-compete once I leave. Is it foolish/selfish to quit and want to start my own business? I'm scared of two years with no/very little income.

2. I have previously read your 48 Days material and have been trying to put those ideas into motion. However the part I am getting stuck on is actually find my “passion” as I am uncertain how to get there. I do not hate my current job but would like the flexibility of time and without a cap on my salary. I sometimes think that if I was paid more I would enjoy my job more, but also understand compensation isn’t everything. What would you suggest?

3. Dan, I'm a 24 year old male on a path to something I'm passionate about: Church Planting. I’ve spent the past 2 years working for a corporate 500 company doing risk consulting and find no joy in this. What can I do to potentially generate income so I don't have to give up on this passion due to insufficient funds?

4. Hi Dan, I have just started selling a board game I created to help people learn basic computer skills. I always knew the marketing was going to be the biggest challenge but I'm not sure how to get started. The game is really targeted at Baby Boomers. You can read more about it at www.shortcut2learning.com

2. Dear Dan, I have a wonderful idea and its really starting off big. I am 100% sold on this idea and can visualize it. One voice is saying "I'm not organized enough" "I'm not; I'm not, etc. and the other voice saying "I don't have to be perfect - I can do it!" - but what does God want me to do?

3. How do I get straight answers as to why I'm not even getting interviews on jobs that I qualify for?

4. Hi Dan, I am a Massage Therapist and have been professionally active for about 6 years now. I want to open my own studio. Do you think I can do it with a $15,000. loan?

5. Dear Dan, I am a 47 year old male. I have a passion for motorcycles and it is something I have had since I was 7 years old but I never thought I could make a living at it. I sometimes drive up in the local dealer's parking lot but I can’t get up the nerve to go inside and ask for a job because I worry about the economy and that it might not pay well enough to keep my 2 daughters in college and after all, motorcycles are just toys for most people. I also tell myself that a hobby is one thing and a job is another. I am reading your 48 days book and just like the guy in "Chariots of Fire" I feel God's pleasure when I ride a motorcycle. Can I trust my feelings?

6. Currently I'm a 21 year old professional writing major/lawnman/ and musician. While there always seems to be lack of money in the music industry should I pursue this dream anyway? What's the best way to keep your day job while also pursuing your dream?

2. I am 60 years old and was laid off of my job about a month ago. Are there web sites that address job for people my age. I would love to be in my own business again but I have no funds available as illness in the past few years has drained all or most of it all away.

3. Hi Dan, I graduated from Medical School over 10 years ago. I went into medicine solely for the prestige and money and have not had the motivation to complete a residency. I have been floundering for the past 12 years. I do not want to go into medicine and feel I have wasted money and time pursuing it. Please help with any advice.

4. I am 55 years old, live with my mother with no jobs prospects as I don't have a car; I have also been separated from my husband for 3 years. I would like to start an online business, but without the knowledge to make a decision I just don't know where to start. Help!

5. Dan, I am a professional sales person averaging $310k/year for the last 10 years. I love my work and the company I work for, but am interested in striking out on my own. It is hard for me to see past the income and start my own venture. I've got 10+ years of money saved, but like the security of the regular pay. Any advice?

6. I am currently ending an emotional affair with a co-worker. He became a good friend, and we were even starting a business together. My husband, counselor and I have concluded that I need a new job to help sever all ties with my affair partner. I sent a "stay far away" email to my affair partner yesterday, and it's now very uncomfortable at the office. What are your thoughts on affairs and dating at the workplace?

2. What is the best way to get into the real estate agent business? I do not have any experience in the real estate field (currently in information technology) and don’t really know how to get started. Should I obtain a real estate license first and then contact a