Financial coaching is my passion. I motivate & teach others to achieve the financial confidence & freedom I’ve built in my own life. Live a debt free life!
Austin, TX
Joined April 2016
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Do you feel like you’re getting ahead?
No matter where you fall a great reason to avoid consumer debt is it allows you to have margin and margin allows you to have peace!
Agree, the $5 coffee isn't the problem. But look at that list: car, cards, and student loans are $1,800 a month. Rent and daycare aren't going anywhere. Those three can go to zero. Which one would you knock out first? xitter.gq/0xdavecryps/status/211…
How many times do we have to explain that $5 coffees aren’t what’s keeping people broke?
It’s the:
$700/month car payment
$350/month credit card payments
$1,600/month daycare
$750/month student loans
$2,200/month rent
That’s $5,600 in monthly bills before groceries, gas, healthcare, or savings.
This is why even people earning six figures feel like they’re living paycheck to paycheck.
Day 312. Thanksgiving is 18 days out. Pick the meal number now and shop the sales over the next two weekends, not one panicked trip the night before. What's the one dish you'd never cut?
Something @Grok is useful for: paste a bank fee description and ask for a short polite script to request a one-time waiver. Not a guarantee, just better than winging the call. Ever tried that?
One $35 overdraft fee on an $8 charge. The coffee wasn't expensive. The missing cushion was. How close do you get to zero before payday?
An emergency fund has one job: cover the unexpected without adding debt. It's a cushion, not money that needs to chase a return. What expense has yours covered?
Day 311. Year-end giving only feels good if it's already in the plan. Pick the number in November so December shopping doesn't eat it. What's your giving number this year?
First week of the month is almost done. Quick budget check: still on the plan, or did something quietly grow? Where are you over so far?
$50 minimum on a $2,000 card at 22% barely moves the balance. Most of that payment is interest. Hitting the balance hard is what shortens the debt. What's your actual payoff number this month?
Quick @Grok trick: paste last month's grocery total and ask for a weekly number. $640/mo is $160/wk. A week is easier to stick to than a vague month. Do you budget groceries by the week?
Half that list is just not having payments hanging over you. Paid-off car, money left after payday, a trip without financing it. Which one's missing for you right now?
REAL LUXURIES OF ADULT LIFE
1. A paid-off car
2. Quiet neighbors
3. Money left after payday
4. Zero credit card debt
5. Peace at home
6. Drinking coffee without rushing
7. Waking up without an alarm
8. Taking a trip without financing it
9. A body that doesn't hurt
10. Owning your weekends
11. Saying "no" without feeling guilty
12. Buying groceries without doing math
13. An emergency fund that's actually funded
14. People you can completely trust
15. Not being terrified of the future
Day 310. Skipping a mortgage payment to cover something else usually digs a deeper hole. Stay consistent. Auto-pay helps. What's the payment you never skip?
Ever notice how calm a Friday feels when nothing's waiting on a card? That's margin doing its job. What would make next Friday feel that way?
$8 shipping on a $40 cart. Spend $12 more to "save" the $8 and you spent $52. Free shipping isn't free if you buy something you didn't need. Caught yourself doing that lately?
Quick @Grok trick: paste two insurance quotes with the account numbers cut out and ask which lines actually differ. Premium, deductible, coverage. Beats squinting at PDFs. Ever compare quotes that way?
That first month with no house payment is the whole point. Less debt is good. No debt changes how the month feels. How close are you to that last payment? xitter.gq/DividendRoots/status/2…
Day 309. Holiday leftovers aren't found money. If you underspent the gift line, move what's left into the kids' college fund before it vanishes. What leftover usually disappears in January?
That pause when a friend suggests a trip and your brain runs the budget before you answer. Is that awkward for you, or just how money talks now?
Before you buy a house, try living on the payment for a few months. Put aside the full payment minus your rent. If it hurts now, it'll hurt with a mortgage. Ever test-driven a payment?
Quick @Grok trick: tell it a bill amount and due date, then ask for a weekly transfer that lands before it's due. $480 due Dec 15 starting now is about $80 a week for 6 weeks. Which bill would you pre-fund?
When rent, the car, insurance, and utilities eat the whole check, groceries start to feel like the emergency. Usually the fix isn't cheaper food. It's one less payment. Which fixed cost would you cut first? xitter.gq/iam_biglad1/status/211…
