The Secret Credit Score

Read time: 3 minutes

Welcome back to The Leap! We’ve shifted gears a bit since last week’s email. This newsletter will now focus on leveling up your productivity.

I’ll be sharing case studies, stories, tips, Notion templates, and a bunch of other cool things that will help you achieve the life you want.

There are a lot of factors that went into me deciding to make this shift. The simple answer is that this topic aligns better with my knowledge, expertise, and ultimately my goals.

This topic still goes hand in hand with our previous topic (business ideas and how to start them.) Unless you can learn to become productive and develop good habits, starting a business is very hard.

The lesson I learned is this:
Sometimes you just need to start in order to figure out the correct path. I had to go down the wrong path in order to know it wasn’t the right one.

Incorrect framework: Think → Think → Think → Think
Correct framework: Think → Do → Feedback → Iterate

Now let’s jump into how we can better achieve our goals:

The Secret Credit Score

You may be thinking, “What does a credit score have to do with productivity?” Hang with me for a minute.

Everyone knows what a credit score is. It’s a metric that lenders look at to determine whether they want to loan you money.

If your score is high, they have confidence you will pay back the loan. If your score is low, they are cautious and assume greater risk.

But I want to talk about an entirely different type of credit score. Not many people even know what it is.

It’s your belief credit score. It’s a subconscious measure of how much you believe you can actually hit your goals.

Think of it like this. Every time you want to accomplish something, your subconscious mind checks your belief credit score. If your score is low, your mind automatically thinks “I’m not going to be able to do this.” If your score is high, your mind thinks “I’ve got this and I’ll find a way no matter what.”

So what determines how high or low your score is? It’s simple:

Do you do the things you say you are going to do?

You tell yourself you’ll do something and you don’t? Score down.
You tell yourself you’ll do something and you do? Score up.

For example: You’ve been saying for years that you’re going to lose 25 pounds but you’ve fallen short every single time. Why does your mind have any reason to believe that this time will be any different?

You may consciously think that this is the time you accomplish it, but deep down your subconscious hasn’t been sold.

It’s a vicious downward spiral because here’s what most people think and do: “I’ve got to be more ambitious with my goals. I’m not hitting them because I’m not thinking big enough.”

So they double down with an even loftier goal which only makes things worse.

It’d be like having a credit score of 500 (bad) and now instead of trying to qualify for a $500,000 loan, you’re gonna go for a $1,000,000 loan.

Failure again.

The good news is that the solution is very simple.
Simplify your goals.

Stop going for the grand slam all at once. Let’s take the weight loss example above and show how we’d simplify.

Before:
- Go to the gym 5 days a week
- Cut out soda from my diet
- No more fast food

After:
- Go to the gym 2 days a week
- No soda on Tuesday, Thursday, or Saturday
- I can only eat fast food 3 times per week

We could simplify that even further. Maybe we’re only going to focus on the gym 2 days a week and not even worry about soda or fast food for now.

The key is to make it so simple that your mind has no other option than to think “well of course I can do that.”

As you start to actually do what you say you’re going to do, your belief credit score will go up.

Before long, your score will be so high that you can set whatever goals you want and have the confidence that you’ll make it happen.

That’s it. Thanks for reading!

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