Doc Gallagher is a respected presence in the financial planning sphere who has presented before Fortune 500 corporate audiences and also hosts "Your Family Matters,” a radio program broadcast nationwide. The author of How to Save Money on Almost Anything, Doc Gallagher has also presented at the "Born to Win" conferences of Zig Ziglar.

One core concept Ziglar stressed is that, while life is tough, being tough on oneself and “keeping it simple” can result in an enormously rewarding life that is exhilarating at its core. As an example, he gives his own experience of being an adult struggling with weight issues. 

Seventeen years ago, Ziglar got on an exercise program, despite hating the effort he had to put in and the smugness of the joggers he passed while running. Determined, he plugged away with no measurable results until one day on the Oregon State campus he experienced the ground flowing beneath his feet and realized that the rewards of his regimen far outweighed the effort. 

Ziglar realized that it was not a matter of “paying the price” for good health, but rather “enjoying the benefits” of good health. This reorientation of a negative mindset to a positive, reward-focused one had a profound influence on his overall sense of well-being and ultimately helped him to grow in both his personal life and business career.