all of a sudden because they're making
more money turn off their expenses
reasons why so many people are having
financial challenges as they spend what
they earn right now if you're in debt
credit card debt I think the first step
really is to recognize that and and just
accept it because oftentimes because I
by the way I'm speaking right now from
experience because I remember when I was
in my early 20s I got into a lot of
credit card debt there's many different
things I could share with you guys to
improve yourself to improve your life to
change your life for the better a lot of
things I've already mentioned on my blog
and YouTube channel and podcast but I
think that's the essence of it all the
most important things you can do the
simplest thing you can do right now in
this moment that will change your life
for the better is to make a new decision
now there's one thing I've learned is
that you always want to delay
okay delay your life sell as much as
possible okay delay those expenses as
much as you can right you know when I
first started making money online
thankfully I was really smart because I
was in debt uh credit card debt and
stuff like that when I was younger I
made a lot of sacrifices to get out of
that day I lived in my friend's living
room for like a year
I you know gonna have a cars to the bus
around I basically lived like a bum
essentially you know didn't really spend
any money on myself I found that when I
was in debt one of the biggest mistakes
that I made and what most people make is
that when you know you're in debt
you know it's painful to look at it so
you just avoid it right you don't even
want to look at your credit card
statement you don't even want to look at
your mail you don't even look want to
look at what you owe because that number
is just a little overwhelming and so
daunting for you that you know it's just
going to make you frustrated it's going
to make you upset it's going to make you
feel down and you know you don't want
that so avoidance is something that many
people do when they're in debt however
that can actually lead to you getting
into more debt but you know sure enough
a lot of people don't want to do that
once they start making money they have
that intake temptations to spend money
and you have to really discipline
yourself to not do that okay delayed as
long as you can save your money invest
your money
an asset not liabilities as you know
Robert Kiyosaki says in Rich Dad Poor
Dad decisions shape everything to shape
your life the little decisions and the
big decisions and you know just making a
new decision to take one step closer one
little action towards what you want
where you want to go that's what's going
to change your life for the better okay
really understanding that how money
works how to actually manage your money
is one of the most important things
because if you can't currently manage
what you have now there's no point going
out there trying to make more now one of
the first places that I recommend people
start with is actually looking at how
you're currently managing your money
right now most people that are in debt
right now they're just not managing
their money in a very efficient way in
fact if you just make your focus on
making more money to get out of debt
that's not going to be the solution
because you're not addressing the actual
habits the money management management
problems that you're having that led to
the debt in the first place you can't
manage what you're making even if it's a
small amount of money you know I can
guarantee if you're given a million
dollars or more that you wouldn't know
how to manage that either you wouldn't
know what to do with that money that's
turn off why a lot of people that win
the lottery end up losing it all because
you know they just had it given to them
they didn't develop the habits the
discipline on how to actually manage
money so if you're already making a
certain amount of money right now in
their job or your business you mean cut
your expenses or your overhead in some
way which can allow you to have some
extra cash flow every month and then you
can use that cash flow to start paying
off your debt you want to track things
you want to start budgeting things you
want to cut it expenses and you're going
to have to make sacrifices man like let
me tell you that's there's no other way
around it and I wish that there is an
easy way about it but you're going to
have to make sacrifices
you
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