top of page

The Ones Most Responsive to Change

By Muhammad Ali




Benjamin Franklin supposedly once said, “If you fail to plan, you are planning to fail.” Sir Winston Churchill is credited with another, oft repeated, saying: “Those who fail to learn from the past are doomed to repeat it.” And along that same vein there’s the phrase we hear often in the workplace, “learn from your mistakes.”


The questions that I have for you today are more about the odds.  Alright let me elaborate on this.  If you fail to plan, does that mean you will definitely fail?  What are the odds of this happening?


And the other side, if you plan, does that mean you will not fail?  What are the odds of this happening?


I think it's pretty obvious to ascertain a conclusion on the above based on the several articles that I have written, about Sudden Wealth Syndrome and that statistically 70% of people lose their wealth within 2 years and we know that 85% of the millionaires created from the Kuwaiti rise in value were broke in 5 months.  So let's refine our question and ask, did any of those people who planned yet they still failed?


Having a plan is one thing, but it is completely useless and a waste of time if you do not put it into action. Statistics say 90% of strategy fails because of poor execution.  This I am sure that everyone is in agreement.


So what is clear is that we want to be among those who planned and succeeded.  We don't want to plan and still fail, right?  We've definitely waited long enough to think about all kinds of plans from A-Z.  So how can we make sure that we find the right plan that will guarantee us long term success?


I for one don't want to be in the after RV enjoyment mood for only 2 years.  Wouldn't you agree?


I have also written articles about forming a Team and I have even created an entire section dedicated to help you in forming your Team in my new Currency Exchange Planner Companion Edition.  I said your Team should consist of a High Net worth Lawyer, Financial Planner/Advisor, Wealth Manager and a CPA just to name a few, but will having a Team of professionals increase our odds of success?  Yes, it most certainly will, but will it guarantee us that we will not fail long term?  So again, we're playing the odds, we want to be sure that we are within that 15%-30% group category that will not only be successful, but we will be successful for 20, 30, 40, 50+ years.  Now, we're getting into generational wealth.  That is our goal.


As Charles Darwin famously said, “It’s not the strongest, who survive, nor the most intelligent, but the ones most responsive to change.”


Now, I don't like this guy, as he's got other theories that I am totally against, however, I think he has something in his statement above that we need to ponder over.  As we begin our exchanges and new lives, it will be your responsiveness that makes or breaks you, in other words we need to be able to adapt to change.


Your plan will change as the environment changes around you, you may need to adapt to new circumstances as you will test different ideas or things, learn new things, find new technologies, and even meet new people.  Breathe a little life into your plan, make it adaptable to any environment, any circumstances.  So, let's keep our focus on the 'ones most responsive to change'.


God has told us to look out into His Creation to gain inspiration, so what if we take this to Nature, and the animal world?


When we think of the most adaptable species, what comes to mind?  Camels are able to survive without food or water for months, cockroaches are said to have survived the atomic bombs on Hiroshima and Nagasaki in World War II, and Emperor Penguins are able to make journeys 60+ miles long with their last meal being four months earlier.  All of these species are very well suited towards their particular environment, but if one were to put a camel in Antarctica, or an emperor penguin in the Gobi Desert, they would not survive for very long.  Adaptability is defined as the ability to adjust oneself readily to different conditions, so while these previously listed species may be able to survive in extreme conditions, they are poorly suited for other environments.


The only creature on earth that would come close to our adaptability would be the Tardigrade, also known as the water bear.  These are very SMALL animals (0.05 mm – 1.2 mm long).  Tardigrades are able to survive insane environments from close to absolute zero; to pressure that is far greater than the deepest parts of the ocean.


Take a look at this video for an understanding of them: 

What Tardigrades lack, though, is intelligence this is the difference between us and them.  Humans are able to form complex social structures and relationships with each other.  Social structures are seen in many other primates and species which help them all to hunt better and defend themselves.  Humans could not have individually gotten to where we are today without the help from others. Just like the saying goes, team work makes the dream work!


So let's put this all together and formulate these concepts into our planning.  We need to be responsive to change (adapt), do not let things change around you without you being aware of it.  That's one.  Two, there may be some wisdom in keeping things in a small controlled state.  The Tardigrades have survived 500 million years and maybe one of those reasons was due to its size.  Now, I am not saying that after the RV, you can't move out of your 3 bedroom apartment to a new 10 bedroom bungalow, not at all, but what I am saying is that make sure you keep everything around you in a controlled state.  You keep control, you maintain the control.  Three, don't be afraid to get help from your Team.  However, do not rely on them to make your final decisions, they have knowledge and they have experiences, but rely on yourselves and that may require educating yourselves to better grasp the knowledge that they may impart onto you.


And last but not least, impart the same knowledge of your planning to your children and educate them so you all live under the same philosophy.  And maybe write this saying on your computer screen wall paper or what the heck write it on your wall.


“It’s not the strongest, who survive, nor the most intelligent, but the ones most responsive to change.”


To play the odds, you must first have a solid plan and my Currency Exchange Planner can help you with that.  It is designed to help you with your immediate RV exchange.  My Companion Edition is designed to help plan your wealth for 15 years and more.  So together that helps to put you in the winning percentage, after that it depends upon how responsive to change are you?

I hope you have benefited from my article.

Thank you and I wish you all the success in your currency exchange.


Muhammad Ali

The No. 1 Planning Tool for the Dinar community.

Available in Desktop PC/MAC and Mobile App (Android & IOS) versions

bottom of page