– English Lyrics

Lyrics & Translation

[English]

[Music]

I was having coffee the other day with a

friend I hadn't seen in years. We were

catching up, talking about work, family,

life. And then out of nowhere, she said,

"Remember that bakery that I always

wanted to open?" I did remember. She

used to talk about it all the time. The

name, the menu, the way it would feel

inside, warm, welcoming, full of life.

It wasn't just a bakery. It was her

dream. So I said, "Yes, what happened to

it?" She smiled. "Not the happy kind."

She looked down at her coffee and said,

"Life happened. Bills, kids, work. I

don't know. I just couldn't figure out

how to afford it."

That conversation haunted me because the

dream was still alive in her heart, but

not in her life. And it made me ask,

what happens to dreams when they have a

financial plan? You not only attain your

goals, but you can grow them into

legacy.

I've spent my professional life helping

people make these kinds of plans in real

estate, in insurance, in workshops where

I teach financial literacy, especially

to people who were never taught how

money works. Because when you understand

the power of planning, you don't just

protect your dream, you position it to

thrive.

Dreams don't just come true, they're

funded. We love the idea of dreams

coming true. But dreams don't just come

true because you want them to. They come

true when you give them a structure.

When you back them up with intention,

action, and yes, a financial plan. You

can dream all day long, but if you don't

know how that dream is going to be paid

for or sustained, it remains a fantasy.

It's not just about dreaming big. It's

about planning smart. Let me tell you

about someone who did exactly that. My

father. In 1978, he brought our family,

my mom, my sister, and me to the United

States from Singapore. We were

originally from Taiwan. When we arrived,

I was 12 years old. My father didn't

just have a dream. He had a plan. He

started with one property, our home,

then an old abandoned school building.

Within 5 years, he expanded. He bought a

50 unit apartment building in Queens,

duplexes in Manhattan, a commercial

space in the Empire State Building.

And I remember him teaching others,

running classes on how to become a

millionaire.

He believed if you could dream it, you

could achieve it. But only if you built

the financial engine to drive it. By age

40, he was financially free. But that's

not the end of his story. It's just the

beginning of his purpose. He built

orphanages in India. He supported the

schools for the veteran tribes in

Israel. He funded churches all around

the world. Eventually, he went back to

school to earn a master's of divinity so

he could focus on teaching and giving.

He stopped working for money and started

using money to work for meaning. When he

passed away in 2020, his legacy did not

die with him. It continues because his

dream had a plan.

You've probably heard the word mindset

so many times it's become background

noise. But mindset isn't enough. That's

why I teach something I call mind steps.

Mind steps are the actions that move

your dream forward. They're not just

about how you think. They're about what

you do.

Mindset says, "I believe I can reach my

dream." Mind steps ask, "What will you

do today to get closer?"

Dreams are not built on belief alone.

They're built on steps, clear,

intentional ones taken consistently.

Here is the mindstep approach. Start

with the broad, then work backwards and

break down to stepby-step manageable

bites. Start with a one-year plan, a

three-month plan, and then daily

activities you need to take in order to

achieve your dreams and goals. The

one-year plan. Define your dream and

vision clearly and specifically.

Set your goals and put a number to it, a

timeline. If your dream needs money, how

much? If it needs time, where will you

find it? Make it tangible.

the three-month plan. Take inventory.

Look at your spending, your habits, your

fears. Ask, "What's helping me move

toward my dream and what's holding me

back?" Start learning what you don't

know. Financial literacy is a skill, not

a personality trait. How much do I need

to raise and put aside each month to

open my business by the state?

Finally, focus on this day and daily

activities. Take one step, a small

action. Make some phone calls, send an

email, cancel a subscription, set up

auto savings, have a money conversation

you've been avoiding.

If you take one small step every day,

your dream becomes your destination.

You don't have to figure everything out

today, but you have to start because

dreams deserve more than hope. They

deserve a strategy. They deserve action.

They deserve a financial plan. I

challenge you today. Go make your dreams

come true. What mindeps will you take

today and every day to realize your

dreams?

Thank you.

Heat.