Money… such a complicated topic. Most of us have not been taught how to manage it responsibly, or how to direct it into the right places.What comes to mind when you think of money…cash…?

Do you imagine all the things you could buy, trips to take, etc.? Or do you consider paying off debt, putting away for savings or investing? I’d guess it’s not the latter. The reason? Most of us are taught to spend, spend, SPEND! We are encouraged by everyone (family, friends, and the media) to spend our money once we get our hands on it.

What would happen to you and your family should you lose your employment? Would you be in a bind?

I’ve learned this lesson the hard way. Spending every little penny on “stuff” I had absolutely no use for. “Stuff” that wasn’t giving me a return in cashflow, nor did it retain value. I was just buying junk, because that’s all I knew. Sure, my bills were paid, but I was still financially illiterate. I didn’t have a savings account or investments. But, I had a closet full of shoes and clothes I barely even used.  I was literally throwing money away!

Does this sound familiar?

Millions of people are swimming in unnecessary debt, living paycheck-to-paycheck, and lack a savings account in case of an emergency.  All while a very small percentage of people are debt-free and building wealth. What’s their secret?

I’ve learned people who are debt-free have several things in common, and I want to share these distinctions with you:

    • Debt-free people spend a LOT less! Remember, isn’t about how much you make, it’s about how much you keep!
    • Debt-free people have financial goals. If you don’t direct your money, your money will get sucked into other unnecessary places.
    • Debt-free people believe in personal responsibility! They don’t blame other people for their debt or lack of financial stability.
    • Debt-free people view debt as modern-day slavery. Which it is, isn’t it?

You see, debt-free people have an entirely different perspective about money. They direct it into places that will help them long term, not spend just for the sake of it. Debt-free people plan for future events- like that unexpected car repair, medical emergency, or job loss. The truth is, you’ll never know what may happen, and it is your responsibility to ensure you are prepared. Don’t wait until you lose your job or empty your bank account to start thinking differently about money management. Your money is a tool; one that can release you from the bondage of debt.

Start saving and investing; stop spending and throwing your hard-earned money away. How you view money will affect not only your bank account, but the next generations to come.


With love,



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