You see, I know you are struggling. I know you look around and wonder what you’re
doing wrong. I know at tax time you look
at your return and say “Wow! I made this
much money and have nothing to show for it!
Why do I still feel broke?” I
know that if you feel good about your financial situation that you are in the
minority. We don’t plan ahead. We don’t accept responsibility for our
choices, nor are we accountable for them.
We use emotions as financial decision makers instead of math. We expect our personal finances to be easy without
having to put any effort into it.
Most people feel this financial pressure and can’t figure
out why. I know why. We are American and we are entitled – we
deceive ourselves into believing that it’s ok to have what we want, when we
want it. And then when we feel the
pressure, we again deceive ourselves into believing that the “fix” should be
easy too.
Here’s the truth.
There’s no magic. There’s no
get-rich-quick. There’s no secret
formula. There’s no fail-proof
investment. There’s none of that. It’s not easy, at least not at first. Sometimes there are things you will
sacrifice, sometimes it will hurt a little, and sometimes it can hurt a lot. This is all ok. It is ok to tell ourselves NO, in fact, it is
necessary.
When someone says “If I just had more money, THEN I would…” they
are deceiving themselves. The truth is,
if you had more money, you would do with it exactly what you currently do with
the money you already have, just in a larger quantity. A person making $20,000/year has the same
problem as a person making $200,000/year.
Your payments and obligations are just proportionate to the size of your
income. If you already save, you’ll save more. If you already pay extra toward your debt,
you’ll pay more. If you spend everything
you make, you’ll spend more. This is how
people win millions of dollars from the lottery and end up broke – because
their financial behavior doesn’t change.
If you are broke and you are coachable, I can help you. You see, there are some strategies and there
are some tools. Some were created out of
necessity to remedy our own screw-ups and some out of necessity to remedy the
screw-ups of others. You get to choose
whether you live a life of financial brokenness or a life of financial
freedom. Choose your behavior wisely!
