😆😆😆 I’m so ready for things to be normal again. My heart goes out to all the parents struggling with schools unsure if they should open, close, or open partially. Yesterday, I spent a lot of time thinking about the kids and the parents of kids that just don’t know what to do, what to think. No parent wants anything bad to happen to their kid but I know more than anything, these parents would also like their kids to have a normal school year. I by no means know what the answer is. I simply want to say...I’m thinking of you moms and dads! I feel for you! I’d be feeling a lot of ways if Alma and I had children right now. 💕💕💕 The meme was just to keep things light and I thought it was funny! • #Covid19 #Debtfreeparents #Debtfreecommunity #Schools #Parents #Parenting #School
💎Do you think if you had a drop of luck and hit the lottery, your management of money would improve? ⠀ ⠀ I know you've heard the story of lottery winners who file for bankruptcy within a few years of winning millions.⠀ ⠀ It doesn't matter how much money you have or how much money you gain, if you do not develop good financial skills with what you have now, gaining more will not magically change the way you would handle more. ⠀ ⠀ It is so easy to fall into the trap of wanting more with the idea that one day when you have more you will do better. ⠀ ⠀ Somehow for the last decade or so, you have put off better management of your money, convincing yourself that you will do it tomorrow or when your next paycheck arrives. ⠀ ⠀ And also avoiding to take the next step towards improving your financial future. ⠀ ⠀ Let me tell you, there's no better time than the present. ⠀ ⠀ Even if you are not taking action right this second, you can prepare for the next paycheck or the next season when your income is steady or increase.⠀ ⠀ Take advantage of this season. 2020 is the year of removing the blinders and seeing 👀 things with clarity. This season has allowed many of us to take a really good look at ourselves to keep the things that are working and get rid of or improve on those things that no longer work for us. ⠀ ⠀ It is time to stop denying yourself of realizing the best version (vision ) of yourself and give yourself the best possible gift of financial freedom and independence. ⠀ ⠀ If you'd like to take action and prepare for the next paycheck or the next season, I invite you to join my 6-week book club which starts next week. If you know someone who may benefit as well, don't forget to tag them.⠀ ⠀ #myfiscaljoy , #FinancialHealth , #personalfinance , #debtfreejourney , #shebelievedshecouldsoshedid #financialplanning #financialeducation #moneytalks , #believeinyou , #financialindependence #debtfreecommunity #changeyourmindset #wealthbuilding #personalfinance #finances #wealthmanagement #becomebetter #debt #buildwealth #moneymanagement budgeting #wecanhelp #saving #doitnow #makingmoney #financialgoals #moneytips #moneysaving #moneymindset #becomebetter ⠀ ⠀ ⠀ ⠀ ⠀ ⠀ ⠀ ⠀
Hooray! 🎉 Time for another Ask an Entrepreneur interview, this time with Catherine of @funfrugalfree ✨ It was so great learning about this amazing woman 😊 Learn how she and her now-husband paid off $30k in student loan debt and how they are embracing the frugal lifestyle, all while she is building up FunFrugalFree as her future business! Click "Read the latest blog" to read this amazing interview ☝️ #debtfreeliving #debtfree #studentloandebt #frugalliving #frugallife #frugaltips #debtfreecommunity #debtfreelife #debtfreelifestyle #askanentrepreneur
Large camo tactile duffel backpack currently on sale for $10.25 - regularly $29.95. Tons of great reviews & only a few left in stock. Link in bio ✨ Pricing and availability may change at any time. Item was in stock at discounted price at the time of posting. 💥 #deals #hotdeals #freebies #freestuff #couponcommunity #couponing #coupons #couponaddict #extremecouponing #debtfree #debtfreecommunity #bargainshopper #neverpayfullprice #ladytightwad #deal #walmart #walmartfinds #walmartdeals #walmartclearancefinds
Happy to be have been chosen for the next @supersavvymeofficial campaign! The Oral B sensitivity and gum calm toothpaste. It’s come at the perfect time because we need to buy some more toothpaste so this will save us a bit of money. I’ve also got such sensitive teeth, especially since having them whitened 4 years ago. The whitening has faded but the sensitivity never did so I’m hoping this toothpaste will help. #debtfreecommunity #debtfreejourney #debtfreecommunityuk #supersavvycircleuk #instantrelief #oralbcalm #savvycircle @oralb_uk
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I transferred my taxable brokerage account from Wealthfron to Vanguard because I wanted to have all my investments with one service provider. ⠀ ⠀ When I began investing, Wealthfront (a Robo-Advisor ) was a great option that allowed me to invest without having to worry about choosing the funds I wanted to invest in.⠀ ⠀ It was a great option and it did a great job for that period. ⠀ ⠀ Another reason why I made the transfer is as I become more knowledgeable and interested in investing, I wanted to be more involved in the investment process. ⠀ ⠀ Remember to speak to a tax professional to make sure it’s the right move for you!⠀ ⠀ Save this post for the future! You are going to need it!⠀ ⠀ Have you done any transfers recently? Let me know in the comments!⠀
It’s wild to me when someone discounts someone’s success because of their parent or other relationships. • Well how did person “x”’meet person “y”. They probably didn’t walk into their living room while they were watching TV. You’d be surprised how many people you have to meet before you meet the “right” person and the effort that goes into it. • Also isn’t the goal to put your kids in a better place than you were? If it’s not you’re hustling backward. My parents are in a better position than their parents and I’m hopefully on my way to surpassing my folks. This is how generational wealth is built. One brick, one lesson, one business, one stock portfolio passed down at a time. •The “struggle” is looked at as a badge of honor and much love to those that really came from nothing. My goal is for my kids to have a head start(Not a hand out, they will work for what I pass down ). 📈 👨🏾🏫 💵 • Follow 👉🏽 @2hrlunchbreak for tips on investing in yourself, the market & motivation. ⠀ ⠀ • Not getting the results in the market📈 you want? Don’t know where to start🤔? Don’t know how to start that side hustle💵? Click the link in my bio or page me 📟.⠀ #hustleforyourlastname # #blackdebtfreecommunity #blackwealthmatters #debtfreecommunity #personalfinance #financialfreedom 💰 #financialfreedomouronlyhope #trustfundkids #financeinfluencer #fortheculture ✊🏾 #financialempowerment #generationalwealth #blackpfcommunity #blackerpockets #financialmotivation #mindsetshifts
So I’ve just discovered that you can now rename Barclays savings accounts and set a goal amount, I think you can have up to 5 separate savings accounts which is perfect for setting up sinking funds! There are about 6 pre-made choices such as Rainy day or House deposit, or you can create your own! It’s so easy to just transfer between accounts so you can always keep an eye on your savings! I know this is also available with Lloyd’s but not sure about other high street banks. Do you know of any other banks that offer this? 😃
Double tap for a confidence boost. We know this stuff isn't easy, but we want you to know you're not alone. We started this because our smartest friends were telling us they weren't capable of engaging with the stock market or investments or the economy. It's not your fault. This stuff isn't written about in a way that's intended to make sense. That's what we're here for. Stick with us. Our process works. We build content to answer your questions. DM us or drop a comment. . . Follow @sharescoops Simple daily news on the companies you ask for Daily Vitamins on the concepts you want explained . Investing is just judging companies. Vote in our stories. Comment your questions. Learn by doing. We're here for you. . #judge #judgingisgood #financialhealth #financialliteracy #financeiscool #financetips #financeissexy #wealth #finance #trading #stocks #millionaire #stockmarket #investments #entrepreneur #entrepreneurship #investingforbeginners #blockchain #investing #personaldevelopment #debtfree #debtfreecommunity #personalfinance #networth #budgeting #esg #sri #impactinvesting #socialfinance #sustainableinvesting
Life Insurance is a great choice if you want to keep your family protected and financially secure. If you have any questions, contact me: Tagui Tina Zakaryan 818.653.9772 CA Lic # 0F37213 #lions #lionspartners 🦁 #insurance #family #money #motivation #success #love #opportunity #glendale #losangeles #lifeinsurance #healthinsurance #protection #livingbenefits #debt #debtfree #financialfreedom #debtfreecommunity #savings #debtfreegoals #debtfreedom #emergencyfund #income #incometax #taxfree #ItsLifeCare
Married, house, 2 kids, and DEBT! It’s mounted up, it’s got out of control, and it needs to go.....any advice on where to start appreciated...... #debtfreecommunity #debtfreejourney #debtfree #debtfreegoals #debtfreedom #debtfreecommunityuk #creditcarddebt #sidehustle #sidehustleideas
STOP ✋🏽 I have something for you! I don’t do giveaways often but I have a gift from @highkeysnacks for some of my favorite healthy and delicious family snack and I had to share this awesome gift with you! #freebiesFTW 🌟 I have been loving everything you see pictured. My youngest BEGS for the brownies, hubby asks for the granola and my oldest sneaks into my cookie stash...LOL. What I love most is that all of these snacks are #sugarfree and #lowcarb so we can easily curb any cravings and I don't worry about unhealthy snacking -- YAY for staying #healthyandstrong right now! 👏🏽 We will be picking 2 winners to get 2 of these amazing items! ✔️✔️To enter:✔️✔️ ☀️Follow us here @freetofamily and give @highkeysnacks a follow as well 🍃 ☀️Please also like this post and leave a comment below on how you stay healthy at home with your family 🏡 ☀️Share this post to your stories for an extra entry ✔️ ☀️Tag friends for extra entries 🙏🏾 Giveaway will end Friday 8/14 at 5pm PST and a winner will be DM’d of their winner status and asked for their email to get the goods in order to make your snack time a little sweeter and a lot healthier this season 🍃 #highkeypartner Love ya fam!😘 #makeroomforwhatmattersmost #mindfulness #minimalishlife #healthysnacks #keto #ketosnack #lowcarb #lowcarbsnack #highkey #highkeysnacks #freetofamily #debtfreecommunity #sugarfree #sugarfreesnacks #healthysnacks #debtfreeclutterfree #intentionalliving #chocolate #chocolatechipcookies #snackideas #lowcarbbrownies #lowcarbgranola
who’s ready for some Investing 101📈 very excited to share this week’s episode of Ms. Money Moves with guest @rebelmarkets ! we covered all of the basics you need to know when you’re investing, from defining what the stock market is, explaining terms like indexes, mutual funds + ETFs, to how to buy you first stock....AND how to “beat the Stock Market God”👀 listen to this episode of Ms. Money Moves with @bleavpodcasts wherever you listen to podcasts, or at the link in my bio👆🏼
We have been conditioned to think we need a lot of food in our fridge and freezer. We have been taught to buy food just in case or for a rainy day. The truth is you forget about what’s in your fridge and your freezer when you go shopping and therefore you buy more than you need. Buying food for convenience is costing us more money. Take inventory of what you have in your fridge and freezer. Put together a list of items you can turn into meals and save money by using what you already have. Thaw out that chicken sis! Say no to yourself so you can focus on paying off your debt and saving money. Join me and the community as we partake in Saying 𝗡𝗢 to Convenience Challenge. Follow @theinfamoussharer Share the wealth. Tag 3 friends. Like and comment below. #wealthsharerchallenge
Budgets are a great way to ensure every dollar you earn/spend each month is accounted for. Budgets also give you visibility to where you money goes and necessary areas needed to be cut out! Do you budget? . . Thoughts? Comment below! . . #debtfreecommunity #dividends #dividendinvesting #debtsnowball #budget #budgeting #debtfreejourney #daveramsey #debtfreegoals #investing101 #motivation #motivationmonday #dividendincome #dividendstocks #investing #stocks #passiveincome #dividend #money #success #savemoney #grind
Which is worse...grocery shopping or putting away groceries?!?! . Does the word budget make you cringe and want to go out and buy something?? It did for me. I used to feel like budgeting was just another restriction...a way to make shopping more stressful. But then I realized that by budgeting in the boring categories, like groceries, I could spend in the fun categories, like home decor and vacations and not feel guilty. Do I WANT to spend my hard earned money on toilet paper and ground beef?? NO!! Does it make me happy when I can save some boring TP money and put it away in my vacation fund? Absolutely!! Do I still hate unloading groceries? You betcha!!! . Yesterday on the blog(link in profile ) I talked ALL about how I grocery shop, how much we spend on groceries, and how I now save HALF on my grocery bill. I recently took a poll in stories asking what you most wanted discussed on the blog this month. The answer were...mom budgeting, cleaning hacks, and decor tips...so here they come!! Happy Tuesday friends❤❤. . . #daveramsey #daveramseybabysteps #savingmoney #moneysavingmonday #moneytipmonday #mondaymoney #cashenvelopes #budgetshopping #budget #budgeting #youneedabudget #groceryshopping #groceryhaul #grocerystore #thriftyshopper #thriftymom #budgetplanner #budgetingtips #debtfreecommunity #debtfreejourney #debtfree #debtfreegoals #farmhousekitchen #farmhousestyle #farmhouse #momblogger #ontheblog
Happy corners. ✨ . . . #homedecor #interiordesign #home #decor #homedesign #mindfulness #homesweethome #interiors #furniture #love #homedecoration #homestyle #interiordecor #contentment #instahome #interiorstyling #inspiration #style #apartmenttherapy #apartmentliving #lonnyliving #myhyggehome #scandinavianliving #californiacasual #darlinghome #Mycrumbshome #minimalism #debtfreecommunity #smallspaces #tinyhouse
Getting your child a piggy bank is a great way to show and teach them how to save. My 3 year old may not fully understand the importance of saving now, but I’m helping her build healthy habits around money that will last a lifetime. Growing up, I was never taught how to save money. I was always told “Save money” but no one taught me how. I encourage all parents to not only tell your kids to save, but teach them the importance of saving and actually show them how as well!! Children are always watching, and they learn from what their parents do both directly and indirectly. Saving Accounts and 529 plans are great and encouraged but often times, children miss out on actually seeing where their money is going. Establishing a piggy bank for small sums of money is an excellent exercise for kids. Buy a piggy bank, allow your child to add in the money and watch it grow before their very eyes. Once it’s full, you may decide to deposit the money into an account or allow your child to spend a portion for their hard-work and dedication. Remember, the goal here is to teach your child smart financial habits. Don’t get hung up on missing out on interest. The amount of interest you’re “missing” out on is so minuscule, compared to all the knowledge, skills and responsibilities that your child is gaining! Stay blessed and stay encouraged!! We are all in this money thang together friends!!💸
It’s true. At one point I had $400K in debt. Just released a new YouTube video talking about how I got into this position and how I started clawing my way out. In case you missed my many posts, I have a new channel talking all about money, financial margin, and analytics for how I’m living a life of financial freedom. Would be super grateful if you checked it out. Link in my profile! #financialfreedom #debtfreecommunity #debtfreejourney #debt #debtfree #debtfreegoals #debtsnowball #debtisdumb #debtfreeliving #money
#debtfreecommunity #moneycoach #financialwellbeing #savings #savingmoneytips #spendinghabits #budgettips #savings #economicempowerment #personalfinance #investinyourself #studentdebt #studentloanssuck #financialfreedom #financialliteracy #moneyadvice #blackpfcommunity #moneyblogger #executiveorder #covidrelief #stimuluspackage
Listening to Dave & Chris Hogan today. If I get intense for the next 8-12 months, that student loan debt is GONE FOREVER! From there my money can be used however I want!! If the time is going to pass anyways it might as well pass crushing debt! #davemademedoit #debtfree #daveramsey #intense #debtfreecommunity #financialfreedom #money #moneymatters #studentloans
🚨We’re pausing the snowball to build our Emergency Fund!🚨 We decided on 4 months worth of bills. Right in the middle of what Baby Step 3 recommends. Pretty excited to watch that grow for a while. Cashing out on debt is fun and all (😒 ) but definitely want to pause and pay ourselves because the world right now is just too crazy.. So, yea, I’m taking full advantage of 0% interest on my Federal Student Loans. How are you feeling about the economy and your emergency fund right now? 🤔👉🏽 @budgetloverrr 👈🏽 . . . #budget #budgeting #budgetlover #babystep2 #blackpfcommunity #writtenbudget #debtfreecommunity #debtfree #debtfreegoals #debtfreejourney #budgetingtips #payoffdebt #daveramseybudget #daveramseybabysteps #finance #accounting #personalfinance #starttoday #financialfreedom #debtsnowball #emergencyfund #financialliteracy #costofliving #coronavirus #corona #economy
My girl Liza @debtfreetotravel posted this ten year challenge last month and I was so inspired to post my own. . 𝙀𝙫𝙚𝙧𝙮𝙤𝙣𝙚 𝙬𝙖𝙨 𝙥𝙤𝙨𝙩𝙞𝙣𝙜 𝙩𝙝𝙚𝙨𝙚 𝙡𝙖𝙨𝙩 𝙮𝙚𝙖𝙧. 𝙇𝙞𝙩𝙩𝙡𝙚 𝙙𝙞𝙙 𝙬𝙚 𝙠𝙣𝙤𝙬 2020 𝙬𝙤𝙪𝙡𝙙 𝙗𝙚 𝙩𝙚𝙣 𝙮𝙚𝙖𝙧𝙨 𝙖𝙡𝙡 𝙤𝙣 𝙞𝙩’𝙨 𝙤𝙬𝙣! . . 10 years ago I was a fresh 21 tearing up the city while interning. It was the first summer I made some real $ and I could legally drink. It was a wrap! I was at everybody’s Happy Hour and went out every weekend. All of my money went towards looking fly and being on the scene. . . Now I’m 31! I am completely different. My mindset about my money has transformed so much and I’m hitting goals I could have never imagined. . 👇🏽 What is one way major way you have changed in these past 8 months? Because let’s be honest 2020 is a whole decade + more!
With the coin shortage people are experiencing, going cashless is a great option. You still have all of your different envelope categories, you just use a tracker like ☝️ rather than a cash envelope. When going cashless, it's crucial to track and check your account daily to be sure you're not overspending. Are you going cashless due to the coin shortage? Photo by @theforwardmotionproject
Net worth update . One step closer to FIRE the Cubicle 💪 . #retireearly #passiveincome #financialfreedom #debtfreecommunity #dfc #fire #retireyoung #realestate #realestateinvestor #firemovement #PersonalFinance #rentalincome #fire2024 #firethecubicle #firecommunity #financialindependenceretireearly #earlyretirementplan #passiveincome #investing #financialgoals #earlyretirementplan #thankful #realestate #realestateinvesting #investing #nomorecubicle #highlevelfireplan
Eliminating debt, or just getting it under control, can transform your finances. If you could change one thing about your financial situation, what would it be? If your answer is debt, you’re not alone. Too many families’ dreams for a better future have been put on hold by the burden of debt. The good news is there’s a way to unload the heavy weight of debt. Less debt means greater financial strength, so you can start saving toward an emergency fund or other financial goals. Helpful Tip: Adding $10 Pays Off: Give up a small luxury Try it at least once a month and put the money you would have spent toward your credit card debt. This small sacrifice can make a big difference in the long run. For example: Suppose you owe $1,500 on a credit card with an interest rate of 18%. If you make a minimum payment of $37 per month, you would pay off your debt in 63 months. But if you pay $47, you will pay it off in 44 months and save $272 in interest. Try this TIP to help you get out of debt faster. Then DM me and let’s talk about more TIPS you can implement. I look forward to hearing from you soon.
TODAY ONLY! Bath & Body Works has body sprays for $5.50 each. Use code REFRESH at checkout online or show e-mail to redeem in-store. Link in bio ✨ Pricing and availability may change at any time. Item was in stock at discounted price at the time of posting. 💥 #deals #hotdeals #freebies #freestuff #couponcommunity #couponing #coupons #couponaddict #extremecouponing #debtfree #debtfreecommunity #bargainshopper #neverpayfullprice #ladytightwad #deal #bathandbodyworks
I listen to different financial advisors and I am open to listening to different platforms. Everyone of them has a different perspective on how to approach debt, loan repayment, and generational wealth. I’m learning from so many but the one thing that I’m still not sure what I will do once I pay off my consumer debt (hopefully by March of next year ) should I tackle my student loans (all federal loans ) or save and invest? I am in a loan forgiveness program but I also read that sometimes they don’t get forgiven. I still have time to think about this since paying off my cc is a priority. I do want to buy a home and I don’t want to wait until I pay off my loans to do so. What do you all think? Anyone else in this predicament? #debtsucks #debtfreecommunity #financialfreedom #finacialliteracy #creditcarddebt #studentloandebt #studentloans #studentloanssuck #latinaonamission #latinainabudget #babystep2 #emergencyfund #daveramseybabysteps #daveramsey #minoritymindset #1stgenerationproblems #1stgeneration #iwishiknew #whatiknow #snowball #thinkingaboutretirement #dettingoutofdebt #buildingwealth #livingbelowmymeans #weareinthistogether
$1.3 Trillion! That's the amount of auto loans people in the US owe. On an asset that depreciates. This is the kind of statistic that reinforces why I am a financial coach. I want to help people make better decisions to build their net worth rather than drown in debt. . We personally only buy used and with cash. Anyone can do this too. . Article: www.marketwatch.com/amp/story/outstanding-auto-loan-balances-just-hit-a-new-record-and-delinquencies-are-on-the-rise-should-you-be-concerned-2020-02-21f
👇🏻switching process below 👇🏻 • I’ve known for awhile that I wanted to switch out of my Roth IRA with a financial advisor heavy with fees so I officially DID 👏🏼IT👏🏼and here is how it went • 1️⃣Made an account in #vanguard . If you have a spouse with a Roth IRA they will have to make their own separate login 2️⃣Search for “transfer assets” 3️⃣Follow the prompts to transfer your Roth from your other account (you’ll need the other account information ) fairly straight forward but make sure you select to “reinvest dividends” 4️⃣now wait does the transfer to happen, you will see the funds deposited 5️⃣call vanguard customer service 500 times, and receive excellent service even though your amateur ass doesn’t know up from down 😂😂😂 6️⃣If it was an outside NON vanguard fund, now you will need to purchase vanguard funds OR You can leave your funds as outside funds 7️⃣First you will have to sell all of your funds and select to place them in your vanguard money market account. It is a $20 fee per fund, but TBH I don’t care because if I can lower my fees I’ll make more $ in the long run 8️⃣Give it 24 hours and when it’s done, you can now purchase any Vanguard funds (if you meet minimum criteria ) 9️⃣Buy and hold. Repeat 🙌🏼🙌🏼 • #ficommunity #debtfree #debtfreecommunity #financialindependence #firecommunity #savings
Homemade salsa is perfect for Taco Tuesday (or Nacho Tuesday 😎 ). I diced some tomatoes and roasted a couple of jalapeños, pulsed them in the blender with onion, garlic, salt, pepper, and a little cumin. The nachos were also topped with some leftover shredded chicken and some of my refried beans that I made in my @ninjakitchen Foodi and had stored in the freezer. When you put lettuce on nachos, they are almost a salad right??? #2frugalfoodies #frugalmeals #budgetmeals #budgetingtips #budgetlife #budgettips #cheapmeals #frugalliving #frugal #debtfreecommunity #thenewhealthy #todayfood #todayfoodclub #yummy #delish #easyrecipes #easymeals #easydinner #tacotuesday #nachos #sheetpandinner #salsa #homemadefood #nofoodwaste
It’s Tip Tuesday! 🎉 Today’s tip is to treat stains with blue Dawn dish soap. With a 2 year old and a 5 year old, I’m treating stains daily. And my favorite stain remover? Blue Dawn. It works on grease/oil spots and just about everything else. Also, it’s super budget friendly. I made the switch about a year ago and there are probably only 2-3 stains I haven’t been able to get out using Dawn. I apply the Dawn directly to the stain and rub it in with my finger or a toothbrush. Then I launder as normal and voila! The stain is gone. What’s your holy grail product for stain removal? Spill your laundry secrets in the comments. More tips here: #bahtiptuesday
You don’t know what you don’t know... I didn’t know there was a different way I didn’t know I didn’t have to cold message nor spam people I didn’t know I could create an income while continuing to be a nurse I didn’t know I could surpass my nursing income I didn’t know "retiring" at my age was a thing I didn’t know being a full time family and not struggling was possible I didn’t know building a 6figure+ income from my phone was this possible I didn’t know I didn’t have to pay for products every month I didn’t know I could make weekly paychecks I didn’t know products like this were real I didn’t know I could turn my dreams into my reality at 25 I didn’t know because I wasn’t taught these things in school, I wasn’t taught these skills in my nursing classes. I didn’t know it was possible. But here we are with a team well over FOUR MILLION DOLLARS in sales in 2yrs... I would say it is safe to say, now I know. But more than that, I want to scream it to the world. Just because you don’t know how or where to start, doesn’t mean you shouldn’t. I’m here, to show and teach you how🌿
Personal growth for me = napping in the middle of the day. I’m a recovering busy body and quarantine has stretched me to my limits. I haven’t had the luxury of glossing over my anxiety by filling my days with countless activities. I couldn’t be my usual enneagram 7 and only focus on the fun stuff. I’ve had to sit in discomfort, sadness, and anxiety. That’s not all bad. It’s allowed me lots of time for introspection. And naps. Lots of time for naps.
YOU ARE NOT ALONE! Did you know that 80% of Americans are in serious debt? And we’re all taught to keep it under wraps, which sometimes causes us to quietly sink further and further into debt. One reason I’m proud of my generation: millennials are far more likely to open up about their money. They’re more willing to share their salaries and talk about their financial struggles. And for good reason! We are shouldering insane amounts of student loan debt and the job market is...less that cooperative. If we can’t admit we need help, how are we going to ask for it? The first step to fixing the issues is to open up the conversation. So here I am, ready and willing to admit: I’M IN MASSIVE DEBT.
I normally don’t share net worth things (not because I don’t want to, but because it’s new territory for me ) but I felt compelled to share this. Back in October, I thought about sharing this milestone, but ultimately decided against it... because I was embarrassed. I was embarrassed because I did exactly what you’re not supposed to do: I compared myself to others with much higher net worths than me, ultimately felt less-than, and I didn’t give myself any credit for getting my net worth from NEGATIVE $60,000 to $0.00. Now I realize what a triumph a net worth of $0.00 really is! I should’ve celebrated! Digging yourself out of debt and hitting a net worth of $0.00 is HUGE and marks a significant financial turning point in your life. Do you agree? And if you’re not there yet, don’t worry - it’ll take time but you can do it 🤍 Learn from me, though, and make sure to celebrate this incredible, exciting milestone once you get there.
After teaching in Office Hours with Liz this afternoon, Reagan and I went down to the river. He played close by while I read. It was heavenly. Then Dan joined us and it hit me, it’s a Monday afternoon! We are doing it. Unlike the movie, When Harry Met Sally and they talked about sex in the kitchen as their reason for not having children but never really ‘did’ it. Dan and I retired early so we could do things like go to the river (even if it’s just steps from our home ) on a weekday afternoon. Actually, go anywhere. This was one of our reasons why. We both worked a few hours this morning. Dan on rentals. Me on coaching. But this is why we sacrificed (more like delayed gratification ) when we did. And it’s so worth it! This is life in your 50s when you became debt free in your 30s and build wealth in your 40s. I am reading Mindful Millionaire by @leisapeterson so far 👍🏼👍🏼! This morning I completed my second course, Practicing Money Mindfulness Everyday. It will launch 10/1. Stay tuned. #DebtFree #FinancialCoach #BuildWealth #MakeaPlan #RetireInspired #FinancialWellness #personalfinance #moneygoals #financialindependence #retireearly #fire #financialfreedom #mindfulmoney #moneycoach #DebtFreeCommunity #DebtFreeJourney #DaveRamsey #budgeting #wealth #dreambig #mindsetcoach #MillionaireMindset #RealEstate #Investor #Landlord #LiveLikeNoOneElse #Marriage #MarriageandMoney #livingthdream