Real Life Money cover

Real Life Money

by Clare Seal

Real Life Money combines Clare Seal''s personal journey with practical advice to help you take control of your finances. Through exploring emotional and social factors, this guide empowers you to set clear financial goals, embrace budgeting, and appreciate life''s simple pleasures, even amidst financial challenges.

Be Unbeatable: Living with the Mindset of a Navy SEAL

When life throws adversity your way—a sudden loss, a career setback, or even a shaken sense of purpose—how do you respond? Do you freeze and retreat, or do you adapt, charging forward with clarity and resilience? In Navy SEAL Leadership: BE UNBEATABLE—Recreate Your Life As Extraordinary Using the Secrets of a Navy SEAL, retired Navy commander Jack Schropp reveals that what makes SEALs extraordinary isn't just their physical prowess, but their attitude of invincibility under pressure, their relentless commitment, and their ability to “recreate their lives as extraordinary.”

Schropp argues that everyone possesses the same innate human capacity that defines elite military performers—courage, mental toughness, and disciplined self-responsibility. The difference lies in how we develop and apply those capacities. You don’t need military training to think and act like a SEAL, he says. You need to understand what SEALs call the twelve secrets of being unbeatable, a set of practical principles that shape everyday greatness in relationships, careers, and personal growth.

The Core Argument: “Being” Unbeatable, Not Just Surviving

Schropp’s central claim is that we become extraordinary not by changing who we are, but by reclaiming our ability to be fully responsible for life as it unfolds—just as SEALs confront unpredictability with awareness and composure. True strength begins in the mind: choosing to be a volunteer rather than a victim, mastering discipline, and seeing every failure as part of success. He tells this story through a mix of military anecdotes, transformational exercises, and motivational teachings drawn from his own journey—from underwater demolition commander to peace advocate and personal development trainer after 9/11.

Why This Matters: From Warfare to Inner Peace

Schropp's transformation mirrors his thesis. After decades preparing for war, he realized peace is the ultimate victory. Following 9/11, he reexamined how fear, insecurity, and division mirrored the chaos of combat. His insight: most people live ordinary lives ruled by fear and excuses, unaware that the mindset of a SEAL—purpose, commitment, teamwork, resilience—offers a blueprint for thriving peacefully in turbulent times. The book therefore uses SEAL training metaphors (“BUD/S” exercises, “ringing the bell,” “Hell Week”) not to glorify war but to teach emotional strength and spiritual maturity for everyday life.

What You’ll Discover

Schropp organizes the book around twelve “secrets,” which together form a progression of personal mastery:

  • Be a Volunteer — choose agency over victimhood.
  • Be Aware — live as if your life is at stake.
  • Be Yourself — embrace uniqueness as strength.
  • Be Disciplined — learn to be trainable and coachable.
  • Be Willing to Fail — see setbacks as stepping stones.
  • Be Committed — beyond reason or convenience.
  • Be Steadfast — stay the course when life tests you.
  • Be an Operator — act like a master of your craft.
  • Be a Teammate — success is always a team event.
  • Be Tough — balance resilience with compassion.
  • Be Interrelated — connect meaningfully with the wider world.
  • Be Resourceful — adapt creatively to any challenge.

Each chapter includes challenges or “evolutions,” exercises that parallel the physical or psychological tests of SEAL training. Instead of grueling swims, they require introspection, dialogue, honesty, and personal accountability—retraining the mind to respond calmly under emotional fire.

A Philosophy of Living “Extraordinary”

To recreate one’s life as extraordinary, Schropp says, you must first accept that failure and discomfort are unavoidable. Ordinary people seek comfort; extraordinary ones use discomfort as transformation. The difference between misery and masterfulness lies in how quickly you recover from failing. This echoes Viktor Frankl’s idea that meaning arises from choosing one’s attitude (“Man’s Search for Meaning”) and aligns with Stoic philosophy that resilience and choice define freedom (as in Marcus Aurelius’s Meditations).

Why Readers Should Care

Whether you’re rebuilding after divorce, navigating uncertainty at work, or seeking deeper peace, Schropp challenges you to stop acting as though life is safe and guaranteed. His wake-up call: life offers no security; only discipline and awareness will sustain you. By becoming “unbeatable,” you learn to act decisively, to treat every moment as mission-critical, and yet to do so peacefully. You can’t opt out of life’s battles, but you can fight them with heart, presence, and integrity.

In Schropp’s own words

“Everyone has what it takes to be unbeatable in the face of impossible odds.”

By embracing the twelve secrets, you begin to play life at the level of a Navy SEAL—purposeful, disciplined, and powerfully human. And Schropp’s greatest revelation? The mindset that once conquered war can now be used to create peace, one person at a time.


Be a Volunteer, Not a Victim

Schropp begins his twelve secrets with a simple but profound distinction: to live powerfully, you must see yourself as a volunteer in life, not a victim. Every SEAL chooses to enter one of the most punishing trainings in existence. Likewise, you choose how to respond to hardship day by day, even if you can’t control external events.

The Choice that Changes Everything

Being a volunteer means taking responsibility for your circumstances and choices—owning your actions rather than blaming fate or people. Victims believe life happens to them; volunteers create life as it happens. Schropp recalls actor Christopher Reeve, paralyzed in a riding accident, who chose to stop living as a “victim of tragedy” and instead became a champion for paralysis research. His transformation symbolized the core SEAL attitude: adversity doesn’t define you—your response does.

Practical Exercise: Naming the Complaints

Schropp’s exercise is deceptively simple: write down every reason you give for being unhappy—about your partner, job, or family—and then beside each grievance, list what you admire about that person or situation. The contrast reveals your power of choice. You can either “ring the bell,” as quitting trainees do, or recommit yourself voluntarily. Complaining is emotional resignation; choosing responsibility is freedom.

The SEAL Mental Model

In BUD/S training, quitting isn’t punished—it’s simply accepted. The bell waits for any trainee who gives up. Schropp uses this symbol to show that your whole life works the same way: the bell is always nearby. You can leave your commitments anytime, but if you stay, you do so of your own will. Volunteers emerge stronger because their actions spring from internal choice, not forced compliance.

“Each choice you make in every moment determines the quality of your life.”

To think of yourself as a volunteer in every sphere—career, romance, parenting—instantly transforms duty into devotion. Your work is no longer “for someone else” but your own mission, carried out freely and wholeheartedly.


Be Aware: Living as If Life Is at Stake

Schropp’s second secret demands radical awareness. A SEAL, he notes, functions moment to moment knowing his life is literally on the line. Most of us, however, drift through daily routines under the illusion of safety. To be unbeatable, you must awaken from this illusion and act as if life’s stakes truly matter.

Life Offers No Guarantees

Drawing on personal experience in combat zones, Schropp reminds us that security is false—no job, marriage, or wealth can guarantee stability. Accepting this truth awakens passion. Like Storm Jameson’s insight (“live as if each minute is an unrepeatable miracle”), he encourages us to engage the present fully, seeing every promise and appointment as sacred.

Mental Toughness and Keeping Your Word

For SEALs, awareness translates into mental toughness: doing what you said you would do, no matter what. This extends to mundane ethics—being on time, honoring commitments, and apologizing without justification when you fail. Such discipline, he argues, transforms chaos into calm. Professional integrity and emotional peace are built on the same foundation: unwavering awareness that actions have consequences.

Practical Applications

Schropp proposes daily “evolutions”: show up early for work for a month; forgive a grudge; tell loved ones what you appreciate about them. These rituals rewire your brain for presence. Awareness is not paranoia—it’s purposefulness, like a SEAL’s composure in combat. When you act as if your life and relationships depend on your attention, quality and peace replace anxiety.


Be Yourself and Celebrate Uniqueness

“Your uniqueness gets you into the game,” Schropp writes, urging readers to stop conforming and start leading through authenticity. In BUD/S, trainees with average physiques often outperform the strongest because they possess individuality—mental resilience framed by humor, humility, or quiet determination.

Human Perfection and Self-Acceptance

You are perfect right now, Schropp says, even with your flaws. Just as the lioness who hunts without self-criticism, human beings are meant to act and learn without labeling themselves failures. Self-improvement begins with self-acceptance; perfection includes imperfection. This perspective recalls Carl Rogers’s humanistic psychology: growth starts when you stop pretending.

Example: “Jiminy Cricket” and the Power of Authenticity

Schropp shares the story of a small, awkward trainee nicknamed “Jiminy Cricket,” who ran differently than others but consistently finished near the top. His quirky style and joyful persistence made him unbeatable. Authenticity, not mimicry, generated excellence. Similarly, in your own life, trying to be someone else drains energy; embracing who you are multiplies it.

Recreating Life Moment by Moment

Being yourself doesn’t mean refusing growth—it means evolving consciously rather than pretending change will arrive from external approval. Schropp clarifies that failing doesn’t diminish worth; repeated failure refines it. Like Michael Jordan missing shots but staying focused, you reinvent yourself after every stumble. Extraordinary living comes from constant recreation, not perfectionism.


Be Disciplined and Trainable

Discipline, Schropp writes, isn’t punishment—it’s trainability, the courage to be coached beyond ego. In SEAL training, discipline begins as obedience but evolves into voluntary mastery. Ordinary people resist feedback; extraordinary ones invite it.

Trainability and Mentorship

To be disciplined is to listen as if your life depends on it. Schropp’s humorous recollections of instructors forcing endless “on the truck/off the truck” exercises show how physical repetition breeds humility. SEALs learn disciplines through immersion, realizing freedom grows from commitment, not rebellion. He extends this principle to relationships: let partners and parents be mentors, not adversaries. True mastery comes from learning from anyone—even your children’s perspective.

The Courage to Be Coached

Whether at work or home, discipline means letting others contribute to your growth. Schropp advises finding a mentor who challenges you kindly but firmly. Choose accountability over comfort. Like Winston Churchill’s admission, “I’m always ready to learn, but I do not always like being taught,” growth demands surrendering the “My Way” mindset.

Freedom Through Responsibility

Discipline doesn't make you rigid—it frees you from chaos. By adopting trainability, every criticism becomes contribution. In everyday living, this might mean listening to your spouse about household habits or taking advice on financial discipline without resentment. The secret isn’t obedience—it’s openness. As Schropp quips, even Dr. Phil needs his wife’s fashion advice. Everyone is both mentor and student in life’s training ground.


Be Willing to Fail and Keep Going

Failure is inevitable, Schropp says, but it’s how quickly you recover that determines greatness. A SEAL’s life is defined by falling short hundreds of times without losing momentum. The fifth secret, Be Willing to Fail, reframes failure as fuel rather than verdict.

Failing vs. Failure

Failing is an action; failure is an identity. Schropp’s distinction mirrors Carol Dweck’s growth mindset theory: successful people treat mistakes as feedback. He illustrates this with his own multiple divorces—painful but instructive experiences through which he learned responsibility instead of blame. Emotional maturity comes from claiming authorship of mistakes, not defending them.

Example: Al Baldwin’s Determination

Schropp tells of Al Baldwin, a trainee who couldn’t swim yet persisted through ridicule and exhaustion. By the end, Baldwin was certified as a SEAL. His perseverance proved that failing repeatedly is the pathway to mastery. Like Edison’s 4,000 attempts to invent the light bulb, true success is a history of recoveries.

Actionable Lesson

To practice this secret, Schropp suggests choosing one overdue goal—starting a business, writing your story—and confronting all your excuses head-on. Burn the list. Then find allies or mentors to hold you accountable. Failure is not falling; it’s refusing to rise.


Be Committed and Steadfast

Commitment and steadfastness form the heart of Schropp’s philosophy—they move you from wishful thinking to unwavering action. A SEAL’s commitment operates “beyond reason,” sustained not by comfort but clarity. Ordinary resolve evaporates when outcomes change; true commitment stays constant.

Commitment Beyond Feelings

Schropp differentiates between resolutions and real commitments. The latter are vows honored despite changing emotions. His example of expressing love to his father shows how uncomfortable truth transforms relationships. He said “I love you” even when it felt awkward, until the habit turned authentic. Growth starts as discomfort and matures into joy.

Steadfastness: Standing Fast Under Fire

Combining the sixth and seventh secrets, Schropp illustrates steadfastness through BUD/S trainees pushed to quit by pain, cold, and exhaustion. Those who stay understand that reasons—“my feet hurt, my wife told me to leave”—are lies wearing logic’s disguise. To be steadfast is to silence justifications and choose commitment again.

Revoking Commitments with Honor

Schropp also makes room for wisdom: sometimes ending a commitment honorably is necessary. Integrity lies in transparency, not stubbornness. Whether ending a toxic relationship or changing jobs, communicate straight—without blame or vengeance. Being steadfast isn’t blind endurance; it’s purposeful perseverance guided by strength and compassion.


Be an Operator and a Teammate

To be an operator is Schropp’s highest standard of professionalism—performing any task with competence, simplicity, and integrity. To be a teammate extends this mastery into community. Success, he insists, is always a team event.

The Operator Mindset

An operator is a total contributor—dependable, detail-oriented, and humble. They don’t seek praise; their reliability earns it naturally. Schropp’s story of SEALs defeating Marines in a boat race through practical reasoning (fewer men, lighter load) illustrates mastery through simplicity. Operators elevate systems by mastering fundamentals, not chasing glamour.

Team as a Living Organism

Drawing parallels to geese flying in formation, Schropp teaches interdependence: we rise by lifting others. SEAL teams thrive because they trust that every teammate’s survival depends on all. In families and organizations, treating others as teammates—rather than opponents—turns ordinary work into shared legacy. Conflict, he adds, is not failure but function; when handled honorably, it sharpens unity.

Communication and Respect

Schropp’s humorous anecdotes (“Don’t act like your opinion came down on stone tablets”) remind readers to separate fact from perception. Extraordinary teammates talk straight, listen deeply, and give up righteousness. In teams and marriages alike, humility keeps you teachable and trustworthy—two hallmarks of an operator.


Be Tough, Interrelated, and Resourceful

In his final triad of secrets, Schropp integrates strength, connectedness, and adaptability—the qualities that define both warriors and peacemakers.

Toughness: Strength Through Purpose

To be tough, Schropp explains, isn’t macho posturing—it’s resiliency. His mother’s mantra, “Because I said so,” taught him that toughness means honoring commitment despite fatigue. Courage is not lack of fear but mastery of it. In modern life, “tough” manifests in calm persistence—meeting deadlines, enduring criticism, and staying ethical under pressure.

Interrelatedness: Expanding the Circle

Like Einstein’s call for widening compassion, Schropp extends toughness outward into empathy. SEALs depend on complex networks—from boat crews to civilian authorities. Similarly, your success relies on how you relate beyond your immediate circle. Build bridges—with spouses’ families, coworkers, communities—recognizing that everything connects. Isolation weakens; relationship strengthens.

Resourcefulness: The Art of Adaptation

Finally, he defines resourcefulness as creative simplicity under pressure. The best operators improvise without panic—like SEALs sneaking onto buses disguised with locals rather than staging flashy deployments. In daily life, resourcefulness means finding practical solutions, saving costs, and using imagination wisely. Simple thinking, Schropp says, is not simplistic—it’s mastery.

At graduation, Schropp’s message is clear: balance is part of being unbeatable. True victory is peace. By integrating toughness, interrelatedness, and resourcefulness, you learn not just to survive adversity but to transform it, living as a disciplined yet compassionate citizen of the world.

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