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I got an eviction notice

It was more than 20 years ago

 

I had rented a room in an apartment that I knew in my heart-of-hearts I couldn’t afford

 

$400/month

 

I told myself I’d figure it out

 

Walking up to my door and seeing that brightly colored paper made my heart sink



I was so scared

 

But there was another voice in my head too that told me:

 

“I don’t know what I want my life to look like, but I know this is NOT it.”

 

I recalled an argument at home when I was a kid

 

Person 1: “We have $30K in debt.”

 

Person 2: “$30K debt is normal in America.”

 

That stuck without me realizing it

 

And so I thought debt was normal for years

 

I found the money to pay my back-rent

 

But that wasn’t my only point of financial shame

 

-       I had my electric turned off and blamed it on my roommate (I was too scared to open the bills)

-       I borrowed money and never paid it back. I wanted to, but I didn’t. That’s stealing

-       I had a $700 credit card bill that my dad co-signed. I didn’t pay it subconsciously to punish him for perceived pain he caused me from my parents' divorce. Not ok. Sorry, dad

-       I relied on a boyfriend for a bit just to eat

-       I had $16K in credit card debt AFTER I graduated from college debt-free

 

My first paycheck was $1,100 – I was filthy RICH, y’all!

 

I blew the entire thing on clothes and drinks for my tech school buddies

 

Then lifestyle creep snuck in

 

Hence the credit cards

 

How did I get here when I lived in abundance compared to my college days?

 

It all came back to the poverty mindset that had been handed to me that I received

 

I had to face the music

 

So I sat in my tiny apartment on the couch I got off the side of the road

 

And checked my credit score

 

NOTE: Check your credit for free here. (No, it does not hurt your credit score. Let’s talk if you believe that lie.)

 

It was in the mid 450s (for my non-US readers: in America, that’s REALLY bad)

 

And there it was: the result of me avoiding hard stuff

 

-       Overdue bills

-       Force-closed accounts

-       High credit utilization (aka I maxed by credit cards out)

 

The good news was

 

If I started behaving differently today, all that bad stuff would drop off after 7 years

 

As if it never happened

 

I started to watch Suze Orman (personal finance guru discovered by Oprah)

 

I read her books

 

And I started to see that my thoughts were holding be back


I wanted to be FREE of the weight that debt had on me


I wanted to get paid interest rather than me paying the bank interest

 

I started paying my bills on time

 

As I paid each debt off, I took the amount I was paying on that card and rolled it into another credit card payment

 

I got debt free about 3 years later

 

I took my then-boyfriend out for a steak dinner at the fanciest steakhouse in Oklahoma City

 

It is still the best steak I’ve ever had in my life

 

Then I got to start investing that money

 

I opened a Roth IRA to support me in retirement

 

I contributed to the Thrift Savings Plan (the retirement vehicle for military and US federal employees)

 

When I deployed, I contributed to the Savings Deposit Program and got a guaranteed 10% return on investment

 

Whatever I had leftover, I put in a mutual fund for a house downpayment

 

These small steps resulted in us becoming millionaires several years ago

 

You can have discomfort now or discomfort plus interest later

 

Because I had been patiently doing these things:

 

-       We had a five figure downpayment on a house. We didn’t anticipate using it when we did, but the opportunity to purchase a home presented itself. And I’m SO SO SO thankful I had the big brass ovaries to do the hard thing for the previous 15 years

-       That house’s value almost doubled in the time we had it

-       Which allowed us to buy a BEAUTIFUL house using a multiple six figure downpayment

-       We’ve had multiple months where our retirement accounts made five figures – IN ONE MONTH

 

As in, while we slept our account values were skyrocketing by $10K and $20K+/month

 

We were experiencing the magic of compound interest 

 


Source: Lending Tree

 

We knew about it and had faith it would work

 

But it hits completely differently when you actually SEE it happening

 

This financial flexibility has allowed me to take jobs at a pay cut, because those jobs were super important to me (ie: protecting children from sexual exploitation)

 

It also allowed me to speak hard truths to leaders or call out corruption without fear of losing my job

 

It even allowed me to quit a toxic work space

 

It gave my family the ability to think outside the box on what success meant for us


Then to make those dreams a reality

 

It gave me the ability to decide how I wanted to change the world

 

Am I thankful for that eviction notice?

 

Hell yes, I am

 

Because it led me to this moment with you where I get to tell you:

 

You have a lot more power in creating the abundance you want than you give yourself credit for

 

I can show you how

 

Because I KNOW you have a gift you want to unleash the world

 

But you feel hamstrung with your finances

 

The world NEEDS your gift

 

Please stop being selfish and worry about what other people will think if they find out you made mistakes with money

 

We have ALL made mistakes

 

I am really excited for my November money mindset event where we will:

 

-       Identify all those subconscious money thoughts that are driving behaviors you don’t want

-       Replace them with new more empowering beliefs

-       If you’re scared, you’ll be supported in facing that hard, scary truth. And you’ll be able to do the same for others

-       Open your perspective to what’s possible in terms of the life and abundance you want to create

-       Identify a plan to get there – a literal game plan. I’m so excited to show you…it’s going to be so much fun!

-       You’ll get to choose the other players in your game plan

-       And we’ll celebrate every win with you

-       Because the money game is not one of “if you win, I lose.” It’s more of “if we play together, we all win more.”

 

Your money shame event isn’t the end of your story

 

-       Maybe you got an eviction notice

-       Or declared bankruptcy

-       Or are on a first-name basis with the Amazon delivery guy, because you can’t stop shopping online

-       Or stole

-       Or stress every time you go swipe at the grocery store hoping to God that it works

 

It’s merely a launching pad to the success and joy you’ve always wanted

 

Ready to play?

 

Register for my 7 Levels of Money Mindset event

 

Nov 5, 12, and 19 from 7-8:30 pm GMT (for European clients) and EST (for US clients)

 

 

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