On top of having to pay for rent, groceries, gas, and transportation, your check is going straight to pay down your credit card debt and your student loan payments.
That is… on a good month and if you are lucky.
Sometimes, there is more month than money and some bills cannot be paid in full.
With each check that comes, you are robbing Peter to pay Paul.
You are paying a little here and a little there but you can’t seem to get back on track to building the wealth you deserve.
You feel like you are slipping further and further into debt despite getting up every morning, fighting through traffic, and working hard every day.
In your heart and in your spirit, you know that you are capable of wealth if you just had a way of reining in your spending, some guidance for eliminating your debt, and a support system of accountability.
You know that if you were given the tools and information to build wealth, you would take them and run with them.
But for now, instead of earmarking your income for wealth: building a plump retirement account, starting your online business, and building your 5-figure emergency fund, you spend all of your time worrying.
You are so frustrated and fearful about your finances that you find yourself unable to sleep.
You spent the time that you should be sleeping looking up at the ceiling wondering about when you will be able to make your financial reality match the vision that you have for your financial future.
In the pit of your stomach, you feel everything churning. You feel sick having to deal with all of your financial issues- how to quit living paycheck to paycheck, how to handle debt collectors, how to save when you don’t think there’s enough to save— alone.
And while you know that you shouldn’t, you start to compare yourself to all of your friends that seem to have it all.
Every time you turn around, they are taking vacations.
They are paying off their student loans in full.
They are paying off their car notes.
They are not just contributing to their retirement accounts—they are maxing them out.
They are moving from being home renters to home owners.
They are talking about their investment portfolios and what new business ventures they want to start.
They are able to donate money to causes that are important to them.
They seem happy AND wealthy.
And while you are happy for them because they are your friends, you can’t help but wonder:
“Why them and not me?”
“Why did they do that I didn’t do?”
You end up crying yourself to sleep making you feel even more depressed and overwhelmed about your financial problems.
Now let me get a little more personal here…
Do your dreams of wealth and abundance literally scare you?
Maybe the real reason that you’re up in the middle of the night thinking about money is because you can vividly see yourself living your best and wealthiest life if you could just get out of your own way.