EXECUTIVE TLDR
Colby failed 13 exams before succeeding
Mental toughness determines long-term success
Belief level defines when and how you win
Master your self-talk to control behavior
Rejection is part of the process
Change your relationship with money
Read daily to strengthen mindset
Build double digit teams for real growth
Toughness grows through adversity, not comfort
VIDEO SUMMARY
In this powerful mindset-driven message, Colby Romero shares how taking her exams 13 times — including 11 securities attempts — built the mental toughness that shaped her success at Primerica.
Recruited at 19 years old by her mother, Colby refused to quit despite repeated testing failures. She emphasizes that failing does not disqualify you — quitting does. Her breakthrough came through strengthening five critical mental skill sets necessary to win in business.
1. Master Your Self-Talk
Colby explains that how you speak to yourself determines your behavior and performance. Negative self-talk destroys belief, while empowering self-talk builds confidence and execution.
She reinforces affirmations like:
“God gave me exactly what I need to win big in life.”
“I am a people magnet.”
“I deserve success.”
“Money flows to me abundantly and effortlessly.”
“I am tougher than the challenges I go through.”
Mental toughness begins internally.
2. Develop People Skills & Handle Rejection
Rejection is inevitable in business. Instead of focusing on who didn’t show up or who quit, she challenges leaders to focus on those in the room.
This business is about duplication and helping others win. The more people you help succeed, the more success you create for yourself.
3. Change Your Relationship With Money
Early financial challenges are normal. Colby explains that many struggle not because of opportunity, but because of subconscious beliefs about money.
Learning how millionaires think and modeling that mindset is critical to long-term success.
4. Read to Build Mental Strength
She recommends strengthening mindset through intentional reading, comparing it to prescribing medication for mental growth. Books and learning sharpen resilience, confidence, and belief.
She references guidance received from Hector Lamarque and encourages continuous personal development.
5. Push Through Life’s Obstacles
No matter how much money you make, challenges will still come. Mental toughness is not the absence of adversity — it is the ability to push through it.
Colby shares personal milestones made possible through building a strong team:
Becoming an RVP in 2014
Building double digit teams
Traveling internationally
Funding major life events in cash
Creating flexibility and lifestyle freedom
She reminds the audience that success at Primerica is not just about income — it’s about freedom, impact, and designing your life intentionally.
The Core Message
Your belief level defines your results.
If you strengthen your mindset, master your self-talk, embrace rejection, fix your money beliefs, and push through adversity — you will win.
Mental toughness is the bridge between failure and success.
FAQS
How many times did Colby take her exams?
She took her tests 13 times — including 11 securities attempts — before passing.
What is mental toughness in business?
The ability to maintain belief, discipline, and resilience despite rejection, setbacks, or financial challenges.
Why is self-talk important?
Your internal dialogue shapes your behavior, confidence, and performance.
How do financial struggles impact success?
Limiting beliefs about money can subconsciously block growth unless intentionally addressed.
What changes life in this business?
Building double digit teams and duplicating leadership creates real leverage and flexibility.
GLOSSARY
Mental Toughness – The resilience and belief required to persist through repeated setbacks.
Belief Level – The strength of conviction that determines action and consistency.
Self-Talk – Internal dialogue that influences behavior and confidence.
Duplication – Building success by helping others replicate proven systems.
Money Mindset – Subconscious beliefs about wealth that impact financial outcomes.
Double Digit Team – A structured team-building goal focused on scale and depth.
Video Summary
00:00
All right, perfect. So I wanted to go into the art of mental toughness. Okay, so these are the five mental skill sets that you need to develop in order to become mentally tough. Who’s ready for that? Awesome. All right, so nice to meet you. My name is Colby. I joined the business at 19 years old. My mom recruited me. Wave hi, mommy. Shout out to my mom. So really thankful for her. I took my tests 13 times. Look here. Oh, my gosh. It’s right here. Wow. Okay, I’ll just stand here. So I took my test 13 times. I took my life test twice, and I took my securities exams 11 times. So raise your hand if you didn’t pass it the first shot. We’rqe in the same boat. That means you’re a winner. Don’t give up.
00:49
We went RVP in 2014, and we just really had a huge goal and a vision. Okay. I know it’s early. I know it’s early, guys. Don’t worry. All right, so. And we really just focused on building double digit teams, and that’s really what has changed our lives. So let’s get right into it. We’ve got a fabulous team of visionaries. So they are in the room bright and early. We got front row seats. Good morning. I am so proud of our team, our entire hierarchy. My mom, Myra, our head coach. Like, I just. I’m obsessed with. With our brand, with our team, with everything that we’re about. So. Love you guys. All right, so you’re gonna get a lot from today. You’re gonna hear how to promote people, how to recruit.
01:32
You might get some scripts, you’re gonna get a bunch of stuff, but you already know what the work ethic part of it is. You know that you have to get to work. You know that you got to work your personal numbers. You know why? You know you have goals. That’s why you’re here. So I really wanted to give you guys this morning to kick it off. The mindset of. Of when and how it’s gonna get done is defined by your belief level and your mental toughness. Okay? You got it. Mental toughness. Cause we know what we gotta do. We know how to do it, and you’re gonna get that today. If you’re not sure, go talk to your rvp. So if you look in the Bible, let’s start there. The best book that you could read.
02:08
Do not be conformed to this world, but be transformed and progressively change by the renewing of your mind. You can read the extended one on your own time because of, you know Time frame. But if we’re really going to expect to win here, we have to be thinking differently. Okay? All right, so here’s five books that you need to boost your toughness in our business. So just like how doctors, if you go to a doctor, they give you a prescription, right? The same thing in our business, you have to prescribe yourself some mental health medication. Okay. You need to read more. So these are the five books. Skill with people is a PDF. If you speak to your rvp, have your RVP text me. I can email you the PDF. I have it.
02:53
But this was the first book that I ever read in Primerica. Okay. So the first mental toughness skill is you need to really master your self talk. Because if you think that you can talk to yourself in a mean way, you’re not going to. You’re not gonna be able to win big here because you’re gonna beating yourself up. Right? So how you speak to yourself will define your behavior as you build a team and field train. So you gotta be nice to you. So everybody repeat the yellow after me. Ready? God gave me exactly what I need to win big in life. You have to believe that he didn’t say like, oh, I forgot to leave this out of this person. No, he gave it to you.
03:31
And when I think about people who are always thinking the right way, it’s because they’re talking to themselves like nicely. Right? So this is the book what say when you talk to yourself? Okay, People skills rejection. You’re going to get people who reject you. How many of you guys are here still looking at the door, waiting for your guy to come in, right? Don’t worry about them. You’re here. You are the most important person in the room. So your ability to work with people is a skill that you need to master fast. And this business isn’t about you. It’s about how many people you help become successful and duplicate which will eventually help you. Does that make sense? All right, so let’s say it together. I am a people magnet. Doesn’t that feel good?
04:16
Like everybody comes to me, they just ask me what I do and they just want to join. Right? So this is the book. No, I don’t have the book. It’s a PDF. You can text your RVP for that. All right. This book is magical. Alright, so this is. This was referred to me by the Hector Lamarck. So this is if you need to build your self doubt in business. Okay? So this is if you have challenges with feeling worthy of success. This is a big one. Because a lot of the people in our family, they don’t want us to succeed, Right? And if they. If you tell them that you’re gonna do something big, they’re like, no, I don’t think so. I don’t know about that. So you’ve got to say to yourself, I deserve success. Good job. Okay, cool. All right, next one.
05:03
Financial challenges. You are going to go through hell in this business, financially. Parents, you know, your parents may not go through the belief that you think that you need. Like, you’re going to ask people to support you, and they may not support you, and it feels really bad. So if you end up going through some sort of a financial challenge in the beginning, okay, not like you made it, but in the beginning, you’re going to go through things that you’re going to have to adjust on. And the reason why is because you have to change your relationship with money. Okay? So your relationship with money is impacting your success subconsciously, whether you realize it or not. You’re going to need to learn quickly how millionaires think and copy this thought process. And I don’t mean to say, like, you’re going to go through hell.
05:47
It’s not going to be bad. Don’t worry. I’m just saying, like, there’s going to be challenges that are going to come up, and if you’re not thinking the right way, you’re going to focus too much on them. You guys understand? Okay, so let’s say it together. Money flows to me abundantly and effortlessly. Doesn’t that feel good? I feel good saying that. I thought let’s start it off with affirmations, right? All right, last but not least, this one. Life and personal obstacles. And I just have to say how proud I am of our newly promoted district team. We’ve got Yadira here. We’ve got. Where is she? Carmelita is on her way. We have Ms. C. Sage Bradford, new district. And where’s Kimmy? I see Kimmy.
06:25
So we’ve got four new districts on our team, and I just have to say, the way that these ladies have pushed through with all the obstacles and adversity and still made it happen. Like, I’m so proud of you guys for making it happen. Right? So everybody say it with me. I am tougher than the challenges I go through. So it’s all about how you handle it. No matter how much money you make, you’re still going to have challenges. You’re still going to go through things. It’s just how you handle it determines the success level that you have, right? Oh, does it play? Oh, cool. It plays. All right. So you get to design your life when you think. Right. So this past summer, me and my husband decided before we have a baby, we have to go to Greece.
07:07
It was like our Bucket list thing. So went for two weeks, and this was the most epic trick that I’ve ever had in my life. We went with zero budget. We paid for the whole thing. Cash. We saved a lot of money to make it happen. It was, like, a $15,000 trip. It was fabulous. We literally said, whatever we want, we’re going for it. No whole bar. And the most epic part of the trip was that we got to literally get in a kayak for €10, and we took a kayak in the middle of the Mediterranean Sea to the other side of a beach that you cannot get to. You have to climb a ladder.
07:40
And I was pregnant, so I was like, I am not climbing a ladder and falling in Greece with no hospital on this island and not to get, like, helicoptered somewhere else. But I just have to say, like, your life can be so freaking cool. And we’re not even Keith Otto rich yet. Like, we’re just enjoying the flexibility that Primerica is able to give us. Think about what dreams that you have. Think about what goals you have. And I never expected to do this. You’ll see on my Instagram, I, like, put my phone in the water. He’s like, if you break your phone in Greece, you’re not going to be able to take any more pictures. And I’m not taking any pictures of you. And. And I’m like, okay, let me take my phone back out the water.
08:13
Like, I know it’s waterproof, but I just need to, like, see this. The water’s so clear. It was beautiful. So that was amazing. We were able to go to Africa and really just, like, start up some different orphanages there in 2016. It was amazing. Paid for our wedding cash. This is my son. It took a really long time to get here, and I’m not gonna cry, because I have 38 seconds, but I love him so much. And he’s literally the. I know your kids are cute, but my kid is the cutest. And look at his little hand. He’s doing his little power builder, guys. You’ll see him tonight. Don’t worry. I couldn’t bring him here because it’s my first time away from him. Okay. Anyways, keep going. All right. Travel. We’ve been able to go to some incredible places.
08:59
And I just say this to you guys because our team is amazing. And I cannot wait for you guys to experience this level of success and flexibility, I should say, because I’m still on my way to success and significance and teaching our team how to create that lifestyle that they want. But just know that we are so proud of you. Your RVP’s are so proud of you. I am so thankful for my mom and Myra. I love you guys. Thank you so much for Joe even putting this together. So build a team, guys. It’s going to be absolutely incredible. So I guess. Thank you. Great job, sweetie.
