“You don’t just reap what you sow.
You reap more than you sow.”1
“If you put a kernel of wheat in the ground, it will produce a stalk with three heads of wheat. A head can contain fifteen to thirty five kernels.”1
“True in agriculture. Also true in life.”1
Why do you reap more than you sow?
The Cumulative Effect
“The cumulative effect is the powerful outcome produced by an action that happens, even if it’s small, over and over across a long period of time.”1
Example: Magic Penny
“I will give you a magic penny that doubles every day for one month. So on the first day it’s one penny.
The second day it’s two. The third day it’s four, and so on.”1
“I’ll give you that penny or $5 million.”1
“At the end of the thirty days, that penny would be worth $5,368,709. Unless it’s a thirty-one-day month, then double the extra day and it would be worth $10,737,418. You’d be a fool to take the $5 million. “1
“But so often we settle because we discount the cumulative effect: the powerful impact of something happening over and over for a long period of time.”1
The Compound Effect
“This is typically called “compounding interest,” used in reference to finances. This is the interest you get on the interest.”1
“Grasping the significance of these principles will change your life. In fact, they have already shaped your life.”1
“Who you are today is because of the cumulative and compound effects.”1
In his special message at the beginning of Darren Hardy’s book The Compound Effect Anthony Robbins writes, “Decisions shape your destiny. Little everyday decisons will either take you to the life vou desire or to disaster by default.”2
“If you want to win financially, start now and consistently do the small, right thing.”1
“If you eat just one hundred more calories than you burn every day, you will gain ten pounds in a year.”1
James Clear writes, “Time magnifies the margin between success and failure. It will multiply whatever you feed it. Good habits make time your ally. Bad habits make time your enemy.”3
“A small difference each day adds up and multiplies over time.”1
“You read about a spiritual hero – like a Billy Graham. Or you meet someone who is close to God and has a powerful impact on people for him.”1
This causes you to want what they have. You desire to be like this person.1
“There’s a reason those people are tight with God and have become a spiritual force. They consistently do spiritual disciplines that connect them to God.”1
The Small Stuff
Book – Don’t Sweat the Small Stuff1
Realize that “it’s all small stuff.”
When it comes to our habits, “there is no such thing as ‘small stuff.'”1
Because of the cumulative effect and compounding interest.1
- Saving two dollars a day and putting it into a retirement account is not small stuff.
- Eating an extra hundred-calorie bag is not small stuff.
- Deciding to skip working out today is not small stuff.
- Telling your spouse “I love you” again is not small stuff.
- Having one more drink is not small stuff.
- Writing an encouraging letter to your child is not small stuff.
- Taking a couple of minutes to pray before you start your day is not small stuff.
“What you do every day is turning you into the person you will become and leading you into the life you will live.”1
“What you do occasionally does not make a difference. what you do consistently makes all the difference.”1
“Give some examples from your life of when you have seen the effect of cumulative and compound choices at work–positive or negative.”
“What was the smallest decision you ever made that had the greatest impact on your life?”
“What was the greatest ‘small stuff’ act that impacted your life, such as a word of encouragement, an act of kindness, or a simple gift?”
“What was the last ‘small stuff’ act of your own that impacted someone else?”
“You reap more than you sow.”
“A small change can change everything.”
“To those who use well what they are given, even more will be given, and they will have an abundance.”-Matthew 25:29 NLT
 Groeschel, C. (2023). The Power to Change: Mastering the Habits That Matter Most. Zondervan.
 Anthony Robbins, special message about The Compound Effect, by Darren Hardy (New York: Vanguard Press, 2010).
Clear, Atomic Habits, 18.