Legacy Changer

Balanced Pouring

Sun, 30 May 2021 03:34:01 GMT

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Like many of you, the last year forced me to take inventory of my life including my relationships with others. Whether familial, work-related, romantic, or friendly, I have always tried to be mindful of the company I keep. More recently the concept of “pouring” has been something I have chosen to pay particular attention to. “Pouring” relates to how you give or “pour” into others and how receive from others. And I would suggest that your relationships should have a proportionate amount of you pouring into others as there are those pouring into you. This does not mean that every relationship is equally balanced but the ratio across all relationships should be seemingly 1:1. For example, you may have a mentor who advises you on various areas of your life. And you may find you do not have as much to offer your mentor as they offer you. This would be a relationship where you are more of a receiver than a giver. And there are other relationships where you may be in the position of mentor and are pouring into someone else more than they are giving to you. And of course, there are those where you give to the other person just as much as you receive from them. Another layer to this is that there may be seasons where you must give more to a person and other seasons where you are the receiver. The hope would be that all the giving and receiving across your many relationships is balanced. If you find that everyone around you is getting something from you but you get little to nothing from them, your well may run dry which could have a negative impact on your various areas of wellness (mental, physical, emotional, relational, financial). And if you are receiving more than you give, is it truly fair to hoard knowledge and resources without giving back to someone else in need?

This week I urge you to take inventory of your relationships and see if there is anywhere you need to give more, give less, or reallocate your energy and resources so that you have the balance you need.

Body Sync

Tue, 15 Dec 2020 15:38:01 GMT

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I remember when the initial panic of the pandemic settled and people were adjusting to the new normal: masks, Zoom calls, and social distancing. Some people found themselves discovering new hobbies, revisiting old passions, and even starting new businesses. But not everyone found such a bright light within the pandemic and struggled to keep up with their normal routines. One area that was most difficult for me and many others was maintaining physical wellness routines. The culprit varied from person to person: some didn't know how to transition from the gym to home; others looked to food to fill their quarantine time; and many other issues affected people's ability to keep up with their physical health. I can't say that it was one issue in particular for me but rather a combination of several. And it was easy for me to come up with excuses as to why I "couldn't" do something. When the reality was I just decided I "wouldn't" do it. I allowed my "can" or ability to be overwritten by pandemic tainted "will" or drive. It was time to get back in touch with my body and there were several things I did to get back to it:

1) Set a Schedule - Both my workout and food schedule are key to achieving success. It is always helpful for me to plan what exercises are for a given day (i.e. Mondays for legs, Tuesdays). With this already decided, I'm more productive especially during my early morning sessions when my mind is still waking up. And the same is true for my meal schedule. When I meal prep it helps me save time and make healthier choices after I've been trapped in back to back Zoom calls for hours on end.

2) Overwrite Excuses - When that alarm goes off at 4am and my mind often says "I'm too tired" I immediately tell myself "I am too far off course to not go." Sometimes the hardest battle is against our own thoughts. Before you settled on a decision ask yourself, "Is this reflective of a fighter's mindset." And you, my dear, are no coward.

3) Create Community - As a fitness instructor, I often know what to do. But I don't always feel inspired to do it on my own. Whether it's connecting with my bestie or taking a social distanced Zumba class, it's sometimes helpful to connect with others to keep you motivated and on track. Social distance does not have to be synonymous with isolation and loneliness.

I'm still getting back to my pre-quarantine self. But with these tools and some good ol' discipline I feel that my body and I are finally getting back on the same page. If you want something, you have to go get it. Make the choice today to get reacquainted with your body. I'm sure it's missed all the fun you used to have.

Purpose & Plan

Wed, 29 Jul 2020 06:24:27 GMT

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Life moves fast and you often have to keep up or get left behind. A lack of purpose and plan often causes us to get swept up. What is it you want for yourself, your family, your community, and beyond? How can you contribute to bringing these things to fruition? These are just some of the questions that can help guide you to understanding your purpose and then designing a plan. Of course having a plan doesn't mean there won't be hiccups along the road. But having purpose fuels your fire to make alternative plans when others do not work out. And it's good to be open to the idea that as you grow and mature, the outline of your purpose may reshape itself or be coupled with a new purpose that runs in parallel. For example, this year may be designed to focus on fixing your credit score but maybe next year you want to adapt to a credit free lifestyle based on new discoveries. Also, you should be aware of the people and things to that serve your purpose and those that don't so you can manage them in a way which leads to success. Let's say you want to reach certain financial goals in life but you also want to get married. It would be counterproductive to align yourself with a partner whose values, or lack thereof, would deter you.

So don't get left behind. Decide where you see yourself going and make a plan on how to get there.

Excellent Decisions

Wed, 29 Apr 2020 22:28:31 GMT

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“Excellence doesn’t always mean flawless; it just means blameless.” – Stevie Mackey

Too often we beat ourselves up for what we could/should have done better or differently. Sometimes our poor decisions of the past plague our future as it can lead to insecurity in our own decision making. The past should be used as a tool to inform and guide your present and future. If you are shaking your head at your younger self and some of the decisions made, at least that is a sign that your present self is wiser than before. I am sure you can think of at least one person who is making the same mistakes years, even decades later.

The fact that you are still here today is an indication that your decisions, while not perfect, have done well enough to keep you going this far. Allow recollections of the past to serve as an opportunity for reflection and evaluation; not to be birthed into a self-loathing session.

Always remember, you are beautifully and wonderfully made exactly as you are…bad decisions and all.

Gatekeeper

Thu, 27 Feb 2020 02:44:23 GMT

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Life is constantly moving and changing. And each experience can teach us something about ourselves. At times however, there can be a fine line between enduring a beneficial challenge and subjecting ourselves to toxic or abusive situations. With a challenge you will find yourself in a better circumstance then you left off. Maybe you had to sacrifice or lose some things but you will ultimately end up in prime position to keep moving forward and winning. In the result set a toxic or abusive situation, the cons outweigh the pros and you will likely lose much more than you gain.

Examples at work

Challenge: A boss who pushes you to produce great results because they see your potential and want to help you reach it.

Abuse: A boss who makes you work long hours when the only justification is feeding their sense of power over you.

Examples at home:

Challenge: Your significant other is under a lot of pressure at work which is causing them to be moody at times.

Abuse: Your significant other is constantly using you as an emotional punching bag.

It is important to assess your circumstances and ensure that you are subjecting yourself to an unhealthy situation. Challenges can be difficult but they are not built to destroy you in the way that abuse does.

Forgiveness without Apology

Fri, 17 Jan 2020 03:47:08 GMT

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Most of us have experienced hurt from someone who never apologized or said they were sorry. When you have/had a meaningful relationship of any type with someone, it is no easy task to move past negative feelings which resulted from some kind of offense. We ask ourselves, "how could he/she/they refuse to acknowledge what he/she/they did to me?"

As hard as it may seem, we have to forgive those who hurt us whether they've asked us to or not. The forgiveness is not for them. It's for you. Hurt is a heavy weight to carry and why be bogged down by something when the person responsible doesn't care about or respect your feelings. It isn't easy and likely won't happen overnight. But over time you'll come to accept who they are and what they did. And day by day the pain will diminish. Then you'll realize you can recall the situation and no longer feel the pain it once caused.

Emotional Intelligence

Thu, 16 Jan 2020 02:21:57 GMT

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Years ago, I was in a position of being unappreciated for my efforts and contributions. I used to be so upset because people did not acknowledge my hard work. One day after much prayer, I came to one very powerful realization that has helped me in so many ways: "You cannot always choose what happens to you. You can choose how you respond to it." I realized that I couldn't make them treat me any differently, but I could choose to not let it impact me in such a negative way.

Emotional intelligence is "the capacity to be aware of, control, and express one's emotions, and to handle interpersonal relationships judiciously and empathetically." Some people think emotional intelligence is not having or expressing emotional, but emotions are such a special aspect of our humanity which we should experience. Practicing emotional intelligence allows us to experience emotion without being overcome by them.

Whether its people, events, or circumstances, at some point in this journey of life, we will experience things that are undesirable and unpleasant. And we have the power within ourselves to determine the impact we allow those experiences to have over us. Over the next few weeks we will explore the five aspects of emotional intelligence and what we can do to practice them in our everyday lives.

Get Set...

Wed, 15 Jan 2020 01:47:07 GMT

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Last week, we talked about setting goals to create a healthier you in 2020. If you've set your goals, it's important to make a plan to guide you and keep you on track. Creating a plan also helps you gauge how feasible your goals are. For example, you may have set a goal to eat a healthier diet. A lot of foods deemed unhealthy are pretty addictive and hard to cut cold turkey. Setting a plan that allows for a transition period will produce a more sustainable change. So instead of getting rid of everything at once, choose to remove desserts the first week, soda and unnatural juices the second, deep fried foods the third, and so on until you've successfully eliminated all of the items you've vowed to give up.

Remember small changes lead to big changes.

Discipline

Tue, 14 Jan 2020 00:28:45 GMT

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Most of us probably started the year with the "New Year, New Me" slogan in mind, taking on the year with hope to do something different. And it's likely that the majority of us have already given up on that goal. Studies show that while 77% of us are still striving by the end of the first week of the year, the majority of us fall of after the January 12 with only 8% of people actually meeting their New Year's resolution goals.

If you've already fallen of the wagon, it's easy to shrug your shoulders and accept that you are apart of the 92% who just won't make it. But I don't want you to accept that. Allow this year's resolutions to inspire a new level of discipline. So what if you fell off? Get up, dust off your shoulders, and go make it happen. A bump in the road is not the end of the journey. I want you to run after the idea of being that 8%. At then end of this year or whenever you meet that goal, you will look back and say "Man, I almost let myself be like everybody else, but I chose to be in the 8%. I chose to be extraordinary."

You want it. Go get it.

The Challenge

Fri, 10 Jan 2020 23:59:55 GMT

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The other day I was engaged in a conversation where we were sharing different savings ideas. We all walked away so motivated and I wanted to take the next few weeks to share some of these ideas with you all. Consider all the options and see how you can create new healthy savings habits by adopting one, several, or all of them.

This week I'm recommending the 52 Week Challenge. In this challenge you save the dollar amount of the current week. For example, for the first week of the year you save $1. For the second week of the year you save $2 and so on. With 52 weeks in a year you'll go from $1 a week to $52 a week. In total, you will end up saving $1,378. If you did committed to this challenge every year for 10 years, you could save $13,780!

With many of us getting paid bi-weekly (every two weeks) or semi-monthly (twice a month; 1st & 15th or 15th & last day) it may be easier to save at the intervals which you are paid. In this case you are starting on either the 1st or 2nd week starting with $3 and adding $4 every two weeks. For example, Week 1 or 2 you save $3, Week 3 or 4 you save $7, Week 5 or 6 you save $11 and so on.

This is the one I am most excited to do this year and I hope it inspires some of you as well. I've included a spreadsheet for you to download and use to track your progress. The spreadsheet includes both the weekly and bi-weekly options. Happy Savings!

Relational Balance

Fri, 10 Jan 2020 00:56:16 GMT

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All relationships, whether familial, friend, or romantic, go through seasons. There are occasions where we may be giving more to a person and vice versa. I believe that in a healthy relationship, those imbalances weigh out over time. But there are some instances when we are constantly giving to someone who never reciprocates. For example, you may have a friend who calls you all the time to tell you about their problems. But whenever you need a friend to talk to they are always unavailable or too busy. Or you may be involved with someone who doesn't make the effort to grow or strengthen the relationship by valuing quality time. Or it could be that family member you always lend money to but never pays you back. Whatever the case may be, you have to understand who is in your life and what you can expect from them. The imbalance doesn't mean you have to remove then from your life, but you may have to accept that they are not capable of functioning in the same capacity that you do for them. Also, their love language and mode of human connection may be different. The beauty of creating a dynamic social circle is that you have more than one person to rely upon and lean on. So if you are always lend an ear to Friend A but the can't do the same, maybe Cousin B is meant to be your listening ear. And it's likely that Friend A will have another characteristic which adds great value to your friendship.

Be grateful for the people in your life and create a network where there is balance in your relational well being.

I Can. I Will. I Did.

Thu, 09 Jan 2020 02:22:37 GMT

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Taking on something new can be daunting. We question whether we will succeed, if we have the right tools, or if we're truly ready for it. Often the biggest battle we fight is within our minds. To overcome the doubt and second guessing, I would highly recommend you look back on the things you've already conquered. No matter how big or small, you've succeeded in some way. And it is likely that every victory, and even every failure, has equipped you with some tools which have prepared you to take on this new venture. Do your homework and be sure you have all the skills and/or resources needed. Be prepared to accept when things don't go as planned. Don't let a bump on the road cause you to cancel the whole trip. Appreciate every step and milestone. The sooner you take the first step, the sooner you will be victorious.

You can.

You will.

And in the near future you will say, "I did."

On Your Mark...

Tue, 07 Jan 2020 18:32:25 GMT

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The world and our lives in it never stop moving. But there are moments when we can take a breath and reset. The timing of these resets are different for each person, but in the spirit of resolutions at the start of a new year most of us are inspired to makes changes and take on new challenges.

Implementing habits that increase our physical health will always be advantageous. Not only does it help improve our quality of life in the present but it allows for a more energized, productive and healthy future.

If you haven't started already, think about what changes you want to see. Keep in mind that most healthy habits are 90% dietary and 10% physical. What goals do you plan to crush in 2020?

On your mark...

Back to Books

Mon, 06 Jan 2020 15:42:07 GMT

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In the age of social media, television, and Google, it is so easy to access information. Instead of having to read through an entire book, we get to grab a quick blurb and move one to the next piece of information. While this may be more efficient in our busy lives, it may take away from the full knowledge experience we undergo when we actually take time to read entire books and articles. Reading exposes us to new vocabulary, logic and theories. It gives us the opportunity to learn new words, gather information, and be introduced to ideas that may challenge our understandings.

In 2020, I challenge you to take on a reading challenge. Whether it's 1 book every quarter, month, or week, give your mind a chance to flex and grow this year.

The Fight of Your Life

Sat, 04 Jan 2020 02:56:52 GMT

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They say money makes the world go around. Well I'd like to think if you don't get a handle on your financial health, money will surely have your head spinning. The truth is, many of us didn't get the basic rule book on adulting with the extra highlights on finances. This is likely because our parents and generations before them didn't have conversations about money and how to manage it. And they probably couldn't have those conversations because, even as parents, they were likely still making mistakes and unable to pass down the knowledge needed to succeed. In these circumstances, money ends up managing us instead of us managing money. Many people stumble through life for decades without ever understanding the do's and don'ts of finances. The shame that comes with a low credit score, low income, and debt keeps people from seeking help. I always say, "do not be ashamed of what you don't know; be ashamed of what you do not ask." No one expects you to be born knowing all things finance, but you can be expected to educate yourself whether that's through research or mentorship. The tools may not have been handed to you, but that doesn't mean you can't go out there and get them.

Don't get TKO'd by a lack of knowledge. Take control of your life by accepting your position, understanding what you do not know, and seeking the answers that will propel you into a brighter and better future.

I Do Care

Thu, 02 Jan 2020 22:16:06 GMT

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It's been said that if you say or do something long enough it becomes truth or habit. Consider the number of times your response to something was "I don't care", whether aloud or just as a thought. There are instances when we do care but we want to convince ourselves that we don't. Like when our crush starts dating someone else or our someone else gets the promotion we wanted. That is an aspect I'll explore further in a later post, but for now I want us to consider the times when we don't care because we literally don't care.

As humans we are sensitive to some things and people but not others. So when we hear or see such things we are unphased and maybe even a little annoyed that we had to experience it. But when it comes to our relationships, there should never be anyone in our relational circle who we don't care about. Whether it's a relationally close or distant co-worker, family member, neighbor or friend, we should always care about what is going on in their lives. Yes, it may seem like a waste of time to here about Mrs. Johnson's cat's litter box. But if Mrs. Johnson is an empty nested widow, listening to that story may be the only meaningful face to face human interaction she's had in a long time. And what about the opportunity to learn something about litter boxes which could be passed on to another cat lover you know. A few minutes out of your day could lead to new and stronger relationships which can be mutually beneficial.

So the next time you say or think "I don't care" shift your mindset to accept the possibilities of the "I do care" mindset.

PR"I"DE

Wed, 01 Jan 2020 19:48:47 GMT

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Pride is a double edged sword. Being proud of our culture, family, and hard work are all examples of how pride can function as an inspiration to ourselves and others. But there are instances when pride can be detrimental to our personal growth, relationships, and experiences.

My mother said to me that the center of pride is "I" and it can sometimes inhibit our receptiveness of the thoughts and ideas of others. We all have experiences, ideals, and passions which guide and mold who we are and become. But we must not allow fear and judgment of the unfamiliar to prevent us from learning about new and different realities or ways of life. Choosing to understand does not have to be equivalent to adopting a different opinion. And a viewpoint or perspective that has been realized through contrasting life circumstances is not necessarily wrong but may just present a growth opportunity for all parties involved. The willingness to put detrimental pride to the side allows for an exponential amount of learning and growth.

As we begin 2020, I challenge you to consider how can you promote a future of open mindedness within your sphere of influence.

Happy Holidays!!

Thu, 26 Dec 2019 20:53:25 GMT

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We hope this holiday season is filled with love, laughter, and memorable moments.

As you spend time with family and prepare for the new year, begin to think about what changes and new patterns you want to implement to elevate your legacy changing progress. Remember, small changes lead to big results.

We will see you in 2020!

Reconnect

Fri, 20 Dec 2019 17:23:30 GMT

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Growing up I remember holiday mornings were always spent calling each of our distant family members and wishing them a happy holiday. It was something my mom required of us, but was so essential to keeping the relationships with our lives ones alive. In the present, most of us don't call anymore. We'll likely just send a text, or worse a group text to all the people we know. While thiS form of communication is less time consuming and seemingly more efficient, it takes away from the true connection we get when we speak to someone. A group text doesn't ask how their family is or if they like their new job. For all we know, we may be just the phone call someone needed to pull themselves from a feeling of loneliness that can often plague people around the holidays.

There's so much power in our words. Even more when those words are vocalized and not just written. I challenge you this holiday to make a list of 10 people you haven't spoken to in a while and catch up with them this holiday season. Spread the joy and love.

Love: The Most Powerful Weapon

Thu, 19 Dec 2019 04:56:31 GMT

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At the end of teaching my cycle classes, I often encourage my students to spread love as they go through their week and realize that those who spread negativity are the ones who need it most. I like to think that energy is important and we often give what we choose to absorb. Whether voluntarily or not, some people spread negativity without even realizing the source of what they are projecting. With everything we take in from the news, social media, an everyday interactions, we are bombarded with more things that could weigh us down and not lift us up. It takes a conscious effort but it is possible to not let the negativity stick or get so deeply rooted that it impacts how you deal with the rest of the world. And instead we could choose to receive and be replenished by the positivity we experience daily. And when we come across those who are acting from a negative place, instead of reciprocating in kind, we could give them the thing that they were missing all along: love.

Doctor Anyone?

Wed, 18 Dec 2019 04:29:00 GMT

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Yesterday on the Red Table Talk, the Smith family did some tests to get a better understanding of their health status. And the results were pretty shocking. But the doctor was able to dispel their fears by recommending action steps to improve their health.

While we may not be able to afford such exams, it is important that we at least get a physical once a year. Even if you don't have insurance, there are free health clinics in most areas that can help. If you can stick with the same physician it is beneficial because they are familiar with your medical history and can guide you toward an optimal state of health.

You may be thinking, "I don't even know how to find a physician." One way is to ask people you know. Find out if coworkers, friends, or family members have someone they can vouch for as a good doctor. And thanks to this age of technology, the internet has tons of resources available to find a doctor whether it's through a free clinic, your insurance carriers website, or Zocdoc.com (my personal favorite).

It's time to get a handle on your health and you have to set up the right team to make that happen. Your doctor should the coach who can direct you to the championship.

Power of Thought

Tue, 17 Dec 2019 03:25:52 GMT

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Most of us have dreams and aspirations. We hope for a certain job, home, significant other, and/or children. Sometimes as we wait for these things our faith waivers. We start to think that maybe we were teaching too high. Some will settle for less. Others will stop hoping for what they wanted. And even worse, there are those that will finally be presented with the thing they'd hoped for, but their vision is so blurred by doubt, that they try to poke holes in what they've spent most of their lives waiting for. You finally get that job, but once you're there you question whether you fit in the role/industry. You finally get in position to buy that home but you question if you are really ready for the responsibility. You meet that man/woman who you've waited for and, even though they check off all the items on your list, you continue playing the field to see if anything better is out there. Reality is you have the job because you are perfect for it but your lack of confidence will affect your work product; the fact that you waited to be positioned for the house is insight to how prepared you are; and there is no perfect person so it's better to accept what you need/want at an 80/20 ratio then lose it for a 20/80.

The mind can be a war zone. Don't let doubt overshadow hope and cause you to miss out on the things you've worked and waited for.

Letting it Burn

Sat, 14 Dec 2019 00:35:47 GMT

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Yesterday's post talked about how going back to the someone who hurt you will keep you in a place of hurt. Well keeping the same habits that made you broke will keep you broke. Your bad habit could be irresponsibility with credit cards, impulse shopping, lack of or non-existing budgeting, willfully living above your means, or spending every dollar without any savings. Heck, it could be all of those and more. Whatever your struggle is, you have to come to terms with the fact that you have a problem. And you will keep having a problem if you don't make the decision to fox it.

If there was a small extinguishable fire in your home, would you just let it burn when there is a fire extinguisher is accessible? If you are the first to find a building on fire, would you not call for emergency help? Just like a fire, if we don't deal with our bad financial habits, they will grow larger and consume everything. Everyone has issues in one area or another but the difference between successful people and others is the realization that certain habits and behaviors which are blocking their goals must be dealt with and removed. Do you have a vision of financial freedom for you and your family? If so, it's time to take those small steps that will lead to big changes in your financial wellness.

Letting Go...

Fri, 13 Dec 2019 04:35:34 GMT

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The other day, someone I follow posted a meme that read, "you will not heal if you keep going back to what broke you." There could be many levels of interpretation for this topic, but I want to stick close to last week's topic which focused on healthy boundaries. From both the blog post and podcast episode, there were some recommendations including, but not limited to: 1) letting people know what our boundaries are; and 2) ending relationships where the boundaries are consistently crossed or disregarded. Often, if we find ourselves removed from a situation due to boundary issues, we have likely endured some level of hurt or harm from a person we cared about or respected. And it is also highly probable that our break from the individual(s) was not a clean one, especially if the relationship lasted for a long period of time. Sometimes we prolong our healing by going keeping the connection open. Not only does it leave opportunity for them to repeat the offense(s), but it can also keep us in a cycle of dependence on that person.

Think of your heart like a bone. If it’s broken, and you never give it a chance to rest, you will prolong your healing or, even worse, cause permanent damage/deformity. Instead of looking back, look forward to a healthier emotional and relational future.

Big girls/boys do cry

Wed, 11 Dec 2019 11:30:35 GMT

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As much as we'd like to, we can't ignore our emotions. Quite often society will tell us we are somehow weak when we show emotion. "Big girls/boys don't cry" is a rhetoric often imposed on us in childhood and its undertone tends to follow us throughout adulthood. On a surface level, some would say it is simply encouraging kids to not cry about everything that upsets them. But without proper context of further conversation to help develop their emotional intelligence, children could walk away thinking their age alone is the reason why they cannot show emotion. Not only is this unrealistic, but it can be damaging to the emotional wellness of an individual. Not knowing how to process and cope with emotion can lead to a number of issues including depression and addiction. Instead of focusing on not crying or not being sad/hurt, we should take time to understand what we are feeling and why we are feeling it. And we should encourage and help others to do the same. Sometimes through reflection we can understand what caused us to feel certain ways and assess if there are deeper rooted issues we should work through. Or we could determine we just need to let out a good cry before we pick up and move to the next step. Regardless of the outcome or conclusions made, we should never accept the idea of ignoring or sweeping emotions under the rug.

Got Water?

Wed, 11 Dec 2019 00:34:16 GMT

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Our bodies are made of 60% water. In the adult body, certain organs like the brain and heart are 73% water, the muscles and kidneys are 79% and the lungs are 83%. Basically your body NEEDS water to function. And some will say "but we can get water from other sources like juice and soda." Sure, these contain water. But they unfortunately also contain other ingredients that can be quite harmful to our bodies, namely sugar. Even more alarming, recent studies have shown that high levels of sugar from fruit juices can cause premature death since our bodies process it no different than sugar from soda or other unnatural drinks.

I know, I know. The taste of water is boring. So add some flavor by infusing it with fruit such as lemon, strawberry, or pineapple. Even a bit of mint or ginger can add a little something special to your hydration routine.

So this week let's give our bodies that water it wants and needs.

Are You Listening?

Tue, 10 Dec 2019 00:53:46 GMT

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I remember sitting in class one day and to determine if I had understood what was said, the instructor asked, "did you all get that?" Someone replied, "we hear you." To my surprise the instructor responded, "yes, but are you listening?" Everyone paused likely stopped by the same thought: what's the difference between hearing and listening. Hearing is a physiological act. Whenever there is a sound, if we have the ability to, we will hear it. However, if the sound is comprised of words, there is the potential that we can hear them but not do so with thoughtful attention. If that is the case, we are not listening. Listening requires us to give consideration and attention to the sound.

This week I challenge you to consider how much you are listening to the conversations you engage in. Are you trying to understand the content, looking for an opportunity to rebuttal, or barely listening at all? Be conscious of how you listen and assess whether you could be mindful and present in your daily conversations.

#mindfulmonday #listen #download #understand #comprehend #growth

You Can't Just Wing It

Sat, 07 Dec 2019 02:57:56 GMT

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When was the last time you successfully executed a change in your diet that you made up on the spot, just did whatever felt right, and managed to get the results you were expecting? What about a work/school project that is due in a few hours and you haven't done any research or preparation? While you may have been granted some grace on a few occasions, more often then not, if you do not make a strategic plan, your efforts will not result in a product that is up to par. The same is true with your finances.

If you want to get out of debt or stop living paycheck to paycheck, you have to make a plan and make it plain. After you make the decision to change, you have to research and determine the best strategy. Budgeting is the first step to financial freedom because it forces you to understand your patterns and which behaviors are detrimental. From there you can decide how to effectively change/replace the bad behavior (too much shoe shopping) and replace it with good behavior (choosing affordable shoes only to replace a damaged pair). Take this weekend to list out all your expenses and income then assess what needs to change.

Don't let your money control you. Step up and take control of your money.

Healthy Boundaries

Fri, 06 Dec 2019 04:15:56 GMT

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In our present society, there is a call for empathy. We are being asked to be more conscious, understanding, and accepting of how our actions impact others. As someone who believes in the importance of spreading love and light, I totally agree this is necessary. However, if we are asked to be more respectful of others, we have to understand the boundaries of respect which will vary from person to person. In general, you should ask yourself "will my words or actions hurt this person?" If the answer is yes, you should probably reconsider your approach and if the words/actions are necessary at all. In a more specific sense, understanding the boundaries of those closest to us is helpful to maintain a healthy relationship. Even more so, we have to be aware of and communicate our own boundaries. We can't expect people to know what we need if we do not tell them. And we cannot assume what impacts others; we must be willing to ask the necessary questions to gain that understanding.

Beauty in Perspective

Thu, 05 Dec 2019 02:02:13 GMT

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"The reason I believe our sight declines after a certain age is because it allows us to still see ourselves as attractively as we did in our younger years." -O. Pichardo

When I heard the statement above it made me think about how our viewpoint greatly impacts what, when, why, and how we do the things that we do. Whether we choose to see the beauty in ourselves will determine how we care for ourselves. And this is not limited to the external, but includes internal beauty as well. It's easy to pick apart the things that we determine as "wrong" with us: the poor choices we made, the alternate path we could have taken, or the person we let get away. I hate to break it to you, but nothing and no one on this earth is perfect. Every experience and decision are building blocks that allowed you to be where you are today. As you move through the rest of your journey, look at everything as a mark of maturity, process, refinement, and growth.

You are exactly where you need to be. Now use those lessons to continue writing the most amazing and beautiful story of all time: your life.

Get Moving!

Tue, 03 Dec 2019 16:08:30 GMT

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The holiday season is officially underway. And those of us who were blessed enough to partake in a feast last week are likely starting to feel the weight of guilt about our health and bodies. In the US, the colder weather during this time of year can be an ally as it allows us to cover up the extra pounds that sneak up on us from the holiday parties and events. And you're probably thinking, "I'll enjoy myself now and start fresh in the new year." Unfortunately, it's easy to put on weight not so easy to get it off.

Consider implementing your routine now. Ideally, you're making healthy food choices during this season as we talked about last week. Don't wait until January to join the gym or start your fitness regimen. Start now. As the saying goes, "there's no time like the present." You may even find that increasing your physical activity now will inspire you to cut back and have more control on your eating habits.

Now is the time where gyms are offering amazing deals. You can also inquire with your employer to see if they have a corporate discount with any gyms. If not, you could recommend it to them. The benefits to a corporate partnership with a gym is that insurance companies may offer lower rates to the company if the employees are making strides toward a healthier way of life. This means the discount could provide a double benefit to your wallet.

Now let's get moving so we decrease the amount of guilt caused by the sweet potato pie. ��

Why Am I Here

Tue, 03 Dec 2019 02:38:22 GMT

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Why am I here? This is a question we often ask ourselves as we try to understand what we have done, are doing, and are supposed to do. Exploring and discovering our meaning and purpose actually play a big role in maintaining mental health. Discovering meaning and purpose "is essential to brain health as it can help generate new cells and create new neural pathways in the brain" (Smith, R. Segal, Robinson, J. Segal, 2019). It also helps you feel motivated and relieve stress as your activities become more strategic and fulfilling.

One thing you should not do is feel bad about not knowing your purpose. And don't compare yourself to others. Instead of focusing on what isn't, imagine what could be and engage yourself in activities that will help you discover your purpose. If you are struggling, volunteer work, meeting new people, and even a pet are all great opportunities to discover your purpose and meaning.

Maybe you've had some revelation on what your purpose is, but you haven't started working on it. Sometimes it seems to daunting to take on. Or your confidence level makes you question whether you'll be effective. You have to accept that you were made for great things. You are and will be everything you need to be to do the things that were put inside of you. Stop running away from what is calling you. Because chances are the world's need for you and your purpose are much greater than your fears.

You are destined for greatness.

Deserving vs. Desiring

Fri, 29 Nov 2019 22:14:00 GMT

Black Friday. A day when people are overcome with the idea of getting the best “deals” on all the items they hope to gift others and themselves. As you sift through your bounty, I want you to consider something before taking the price tags off: Were those items something you deserved or something you desired. Here’s the difference. Something you deserve are items you purchased for yourselves or others that you purchased with wisdom and preparation. This means that you had taken it out of you holiday or other savings account specifically designed for the purchase of the items. Or maybe you set up your budget to include these items when the biggest discount day of the year came. If this is you, then you totally deserve your purchases because you did your due diligence as you were prepared to buy the item.
On the other hand, if you feel like you just “had to buy it,” either for yourself or someone else, we may have an issue. Did you have to put it on credit, set up a payment plan, tap into another bill, or just swipe your card to only figure out how it affected you later? If any of these apply to you, then you have made a purchase out of desire. The issue with desire purchases is that they are often a sign of undisciplined purchasing habits. These bad habits are also a symptom or prerequisite to future financial problems in the future such as bad credit and the syndrome of living paycheck to paycheck. If you did not prepare for the purchase, then you do not deserve to buy it. And putting it on credit is not ideal, especially if you have existing debt, because you are tying finances to items that satisfy wants and not needs. Financial wellness is about making wise decisions with our finances and there is nothing wise about recklessly spending money you don’t have.
Now go take a look at your lot. Did you make those purchases with a deserving or desiring mindset? If it was the latter, consider returning them for items that you can reasonably afford. They won’t love you less if the item isn’t hundreds of dollars and that new TV is likely not that much better than the old one. Besides, you’ll enjoy it so much better when you know you’ve purchased it with no strings attached.
#financefridays #friday #blackfriday #money #wealth #legacy #change #wisdom

From Affected to Effective

Wed, 27 Nov 2019 08:00:00 GMT

There’s a saying, “in order to know where you’re going, you have to know where you’ve been.” As humans, we have the ability to go through experiences without much afterthought about the impact it has on our lives. A career decision, a relationship beginning or ending, parenthood, and other life events often shape who we are. It’s important to be reflective of your life to understand how you’ve been affected. Even moreso of those things that you had very little to no control over. While we may not be in a position to prevent or force certain events, we can actively choose how we process it and the perspective we gain from it. For example, not getting a job you applied for does not have to be interpreted as loss. Indeed it could be a win as it could’ve blocked you from actively seeking the better job which was meant for you. Or not getting the job could reveal the opportunity to research and learn skills such as interviewing which will help you land the job of your dreams. In this position we are active participants in our life experiences instead of bystanders; going from the affected to the effective.

“Changing your perspective, changes your experience.”
-Schan Ellis

#awakeningwednesday #emotional #health #wellness #wedblnesday #perspective #thankful #affected #effective

What’s in Your Tank This Season?

Tue, 26 Nov 2019 18:20:00 GMT

If you pour water into a gas tank, the water will be pushed into the engine and cause the pipes, hose, and injectors to rust. Doing this deliberately over time you will be consciously setting your car up to break down.

Be strategic this holiday season so you don’t set yourself farther from that 2020 weight loss/maintenance goal.

#trainingtuesday #healthiswealth #wisdom #choices
#health #nutrition #diet #exercise #tuesday

Mental Muscle Gains

Mon, 25 Nov 2019 15:51:00 GMT

Having a case of the Mondays? Feeling like you are struggling to get in the swing of things as your mind wonders to the holiday events set for later this week?

If so, you may need to do something to stimulate the mind and what better way than playing a game or two. Not only are certain games great to escape boredom but studies have shown that they help awaken the mind. Also they have been proven to be beneficial for cognitive functions (memory, processing speed) and reducing the risk of dementia.

Examples of these games are crossword puzzles, memory, and my fellow mathletes, Sudoku and Kakuro. There are booklets available for those who prefer a more hands on approach as well as apps on the go use. Keeping a booklet in your bag or office makes it easily accessible when in between tasks, commuting on public transit, or waiting in line at the store.

Be conscious of the amount of time you allot to the game to ensure it does not interfere with time needed for other priorities. And in our busy schedules a game may not seem important but our mental health deserves just as much attention as our physical health. So think of it as a routine task like brushing your teeth or eating your vegetables. The benefits are so worth the investment.

#mentalmonday #health #holistic #selfcare #monday

Creating a Realistic Savings Plan

Sat, 23 Nov 2019 02:31:00 GMT

Having money in the bank is often a dream and rarely a reality for many. So how do you go about making it happen?

To start, you have to be realistic. Take inventory of your financial health to determine how much you can reasonably save. If you have debt, paying that down is prioritized. No matter how much money you have, if you owe more than what is in your bank account you are still in the negative. If this is your circumstance, you will first focus on creating an emergency fund. The purpose of this is to have a cushion to sustain you in case anything urgent arises while trying to pay down debt. Try to reach for $500 to $1000 dedicating $25 to $50 a paycheck. At $50 a paycheck twice a month you’d reach $500 in 5 months and $1000 in ten. Attaining this level of discipline will not only help you financially but will help you to practice it in other parts of your life as well.

If you are blessed to be debt free, this is the time to start assessing your finances and seeing how your income is being distributed to “wants” vs. “needs”. Ideally, you should aim to save 10-20% of your regular earnings. If your current budget doesn’t make room for that much, see what areas you can cut back in. Think about whether certain bills and subscriptions are necessary. With housing and cars, do you really need a place with all the glitz and glamour or a car with the bells and whistles? Could downgrading to some degree open up opportunities to save more money? Creating savings goals will also help motivate you to make healthy financial decisions.

After you’ve managed to discipline yourself with your savings, you will find yourself excited to discover new ways to save. Be encouraged to make today the first step toward the path of financial freedom.

#financefriday #financialiteracy #financialfreedom #legacychanger #youwantit #gogetit #goals #money #savings #discipline #plan

Is your cup ready to receive?

Thu, 21 Nov 2019 19:50:00 GMT

If a cup is broken or poorly repaired no matter how much fluid you pour in, it will not be able to hold it. And even if the cup is seemingly repaired but already full, there is no room for something better to be poured into it.

The other day I heard someone say that they could forgive but never forget. While I’ve heard this stated and restated by different people in various ways over time, it struck me differently when I heard it most recently.

I don’t think it’s possible to literally forget. However, it is possible for the memory to be recalled, whether intently or not, without it causing the same pain it did long ago. And this could be achieved without ever getting an apology from the person or people responsible for the initial offense.

First, you have to consider that the benefit of forgiveness is for you, not the other person. Especially when you consider those who are completely unbothered by the hurt they release into the world. When you choose to forgive, you are allowing the damage to be healed. A scar may remain but the hurt won’t. Choosing not to forgive makes it harder and maybe impossible for complete healing to occur. And without proper healing or a heart full of malice for the person who hurt you, how can you contain or make room for love from others? Also realize that there is no clock to determine when you should be healed by. The most important marker is that the pain is getting better not worse. Forgiveness is an active choice which is difficult when you’ve never received an apology. Sometimes it is helpful to realize that the person who hurt you was likely damaged at some point which causes them to essentially malfunction when dealing with other people. This doesn’t excuse their behavior, but it gives another perspective that may give a little room for compassion to help in the forgiveness process.

Take a moment to assess your cup. Is it ready to receive the yummy goodness the world has to pour into you?

#thoughfulthursday #connection #love #forgiveness #holistic

Lactose Intolerant

Wed, 20 Nov 2019 11:52:00 GMT

TD Jakes once said “If they want to go let them.” His daughter Sarah recently said “If they sleep on you, let them sleep.” Too often we tie our validation as a person to external factors that truly do not define who we are. We have to start looking inward to realize we are more than enough as we are. And no matter which people leave, what job we lose or don’t get, or what plans do or don’t succeed, our greatness is not changed by temporary circumstances.

#awakeningwednesday #destiny #purpose #vision #selflove #complete #whole #youareenough

-Brittany Outlaw

Breaking Brokenness

Fri, 07 Sep 2018 07:22:00 GMT

To the daddy-less daughters:

Your father wasn’t there, whether it was due to physical, emotional, or mental absence. He made you feel like you were not worthy of his love. You can’t go back in time to fill the void it created. So you now seek validation by proving you can get a man who was incapable of loving you to do so. You are perpetually trying to recreate the dynamic of the broken father-daughter relationship in your current romantic involvements so you can fix the past. But getting an emotionally unavailable man, whether he’s a player, committed to someone else, or simply not ready to be in a commitment, to love you is not going to fill the void, validate you, or confirm that you are loveable. And it will likely leave you more hurt with further damage to the old wound while creating another.

You are responding to how your father and mother taught you to love. And they love as their parents taught them, and so on for generations. You have to realize the only things powerful enough to fill the void and heal the wound is acceptance of love from God and love of self. Once you have these, you may very well find yourself attracting men who are exactly what you need and, most importantly, emotionally available.

Taming Toxicity – Relationships

Wed, 22 Aug 2018 15:35:00 GMT

Standing in the middle of a Northeast winter with no coat on is not likely to cure a cold. Having a hole in your net and expecting to catch fish is a little far fetched. In this same way, maintaining toxic relationships is not conducive to your relational health or individual growth.

No relationship will be rainbows and butterflies everyday, but they should not make you feel like there is a constant cloud or darkness. The drama and negativity they supply may provide a bit or a lot of entertainment but if it’s too frequent or continual, the energy you invest in damage control could likely be better spent elsewhere.

Of course they were brought into your life for a reason, but that doesn’t mean they were meant to stay there. And if they are supposed to be there, they may need to elevate/change themselves or in what capacity they exist in your life.

Take inventory or your relationships with family, friends, and significant others. Ask yourself, “Is this person bringing me down more than they are lifting me up?” If so, based on what you know about them, decide what is the best way to influence positive change in the relationship.

#relationalhealth

#tamingtoxicity

#emotionalintelligence

Play Your Position

Thu, 28 Sep 2017 13:23:00 GMT

See it. PLAN it. Do it.

Wed, 02 Aug 2017 20:29:00 GMT

Rome was not built in a day. And it wasn’t thrown together either. Having a plan does not guarantee that things will be perfect, but it sets you up for success and rerouting when necessary. Making a plan can also reveal what you have and still need to get the job done.

Plan your finances with a budget

Plan your activities using a planner

Plan your life with short and long term goals
It’s not enough to know where you want to go. You need to make a plan of how you will get there.

I believe in you

Tue, 01 Aug 2017 16:31:00 GMT

#legacychanger

What is an IRA and why do I need one?

Thu, 06 Jul 2017 13:13:00 GMT

IRA stands for Individual Retirement Account. This is money you stack away now so that you can live comfortably in retirement.

If you’ve maintained a job for at least 35 years, you can most likely expect to recieve a decent check from social security each month. But consider how the cost of things are only expected to go up, it is unlikely that it will cover everything you need.

Setting up an IRA will allow you

Taming Toxicity

Thu, 06 Jul 2017 13:13:00 GMT

There are times when you have to assess who is in your circle and cut out the unhealthy individuals.

I am so proud of you

Thu, 06 Jul 2017 13:08:00 GMT

Because you are still here.

Because you could have thrown in the towel long ago but you stuck it out.

Because you fought through the toughest battles and came out with a testimony that will inspire and influence others.

American Dream

Wed, 28 Jun 2017 00:53:00 GMT

Only you can define what your American Dream is. Whether that means taking on new cultural understandings or holding on to centuries of beliefs and practices from your home country it is up to you. You can try to take over Wall Street or live a simple life on a farm. You can explore new religions or stick with what is true to your heart. Do not allow anyone to crush your dream.

Your reality.

Your truth.

Your America.

Your Dream.

Cash Flow

Sun, 25 Jun 2017 23:48:00 GMT

Don’t aim for a high credit score. Aim to have the freedom to cash flow your life.

A high credit score allows you to take on more debt. But what happens if you lose your job? Or if you become disabled? Are you prepared to handle your debt payments with a reduced income?

Cash flowing and paying for things in advance frees up the stress which unforseen events can bring. Take control of your wallet.

Do you want a big house? Start with something small and work your way up. Buy a condo for $70K (Virginia) and in ten years you have it paid off at $706 per month. Make that payment $1000 and do it even quicker. Whether you sell it or make it an income property (rent it out), you are in a better position to put more cash money into that big home you wanted instead of taking on a huge mortgage.

Do you want a nice car? Pay cash for something affordable now then save up the monthly payments and interest you would have paid through financing. In four years, that $600 car payment is now $28,800 to drop on a brand new car.

#legacychanger #broketobillions #renewedmind

Put in the Work

Mon, 03 Apr 2017 18:09:00 GMT

Anything worth having requires you to put in work for it. In order to master a skill you must practice and study. A healthy physique requires discipline with diet and exercise. While we all wish we could click together our heels and have everything we desire, it just doesn’t work that way.

You have to focus your mind and energy. You have to decide what you want and how has you want it. You have to determine if the sacrifices today are worth the victory of tomorrow.

And once you’ve decided, make a plan. Enlist someone you trust to keep you accountable. Prepare yourself mentally for the bumps in the road and don’t allow yourself to give up on the journey because of a minor shift in the plan. Take advantage of the detour and learn what you need to in that moment. Then keep moving forward. The only one stopping you, is you.

It will be worth it.

#legacychanger

Wealthy Advice

Fri, 31 Mar 2017 13:14:00 GMT

I’d like to think there is a difference between having lots of money and being wealthy. Someone who wins the lotto becomes instantly rich and has lots of money. But what that person does with the money afterward will determine if they will become wealthy. Money is for today. Wealth is for generations.

Attaining wealth requires you to seek knowledge (facts and information) and practice wisdom wisdom (good judgment and sound actions).

One of the biggest mistakes people make is failing to vet those who try to impart knowledge. It is unwise to take advice from someone: a) living paycheck to paycheck; b) has unmanageable debt; or c) who would not know how to survive if they lost their job tomorrow because they have no emergency fund. If anything ask them what they did/do and do the opposite.

Here’s an example: You have someone in your life who tells you to “live a little” when you say you can’t/won’t/don’t do things because it’s beyond your budget. This same person would tell you to put it on a credit card and worry about it later. Or they’d say dip into your emergency because it’d be like an emergency to miss out on said thing.

However, this same person has no emergency savings, no real estate, no retirement fund, and an insurmountable debt level. They are literally worth nothing. How can someone who doesn’t care about their own future, advise you how to live in your present?

Remain focused on the future. Because one day you will be able to do that thing you couldn’t do before. And you’ll be able to pay cash for it.

#moneyminute #broketobillions #legacychanger #wisdom

Generational Curses

Sat, 25 Mar 2017 19:07:00 GMT

“My dad was diabetic so I probably will be diabetic too.”

“My kids don’t need to chase nonsense dreams. They just need to get a regar job like everyone else and get their heads out of the clouds.”

“She is irresponsible just like her mom. Her kids probably won’t do any better.”

“That’s so weird. Why don’t you just do what everyone else is doing.”

Nothing you or anyone else claims over your life has power unless you allow it to.

Nothing your mother, father, or grandparents experienced has to be the end-all-be-all of your life.

There are illnesses and diseases that we can’t avoid. But what takes our body does not have to be given power of our mind and spirit.

We may have been born in poverty. But we don’t have to die there.

If everyone around you is content standing still while you are trying to move, their advice about how you plan to move do is not valid.

You are bound only to what you commit yourself to. You can be greater and do better than you can imagine. God has designed you for something amazing. Don’t be limited by the thoughts, actions and ideas of finite humans when you are loved by an infinite God.

Do something different

Thu, 23 Mar 2017 18:38:00 GMT

I cannot eat mass amounts of unhealthy food, refuse to workout, and still lose weight.

I cannot learn to speak another language if I don’t practice it regularly.

I cannot be irresponsible with my money, refuse to create a budget and expect to gain wealth.

Even if you increase your income, failure to learn the basic principles of handing your personal finances will result in you feeling like you never have enough money.

If you want to live a life that is different from those around you, you have to actually do something different. People will think you’re weird or crazy but that’s their own insecurity trying to drag you backward so you can stay stuck in the rut with them.

Be different. Be strange. Be abnormal.

Retirement is closer than you think

Thu, 23 Mar 2017 01:07:00 GMT

How far are you from retirement? Are you prepared?
Most people retire around 65. It is expected that over 63% of people will be blessed to live beyond 80. That’s 15+ years living off of what you saved. Because most people don’t plan properly, they are stuck with working beyond retirement just to make ends meet.
Solution: It is best to save 15% of your income for retirement. But you should only be saving this much if you’ve already taken care of your debts (excluding your home mortgage). You should:

1) Get control of your budget, so you can

2) Reduce your debt, and then

3) Work on stacking cash so you can sit pretty in retirement.
For those that need help budgeting, I personally created a tool that can help you see where your money is going and how to get a better handle on it. The only cost is to share the knowledge with someone else who needs it.
It’s not impossible. It just takes discipline and some rewiring of thought patterns/habits.
#legacychangers #broketobillions #moneyminute #resourcestewardship

Victim to Victor

Tue, 21 Mar 2017 19:55:00 GMT

How to tackle debt

Tue, 21 Mar 2017 19:52:00 GMT

There are two methods which are usually recommended:

1) Pay off high interest accounts first (benefit includes reducing the amount of interest you will pay over time)

2) Pay off the smallest debt first then apply that payment to the second smallest debt and so on (benefit includes paying off accounts quicker)
Whichever you choose, you have to make a plan that you can commit to. Be sure to lock down your budget and set aside your emergency fund before beginning this process.
#moneyminute #legacychanger #broketobillions

Save money by increasing your deductible

Mon, 20 Mar 2017 15:46:00 GMT

Most people go with the standard $500. This is because they don’t want to be caught with a deductible they can’t afford if something happens. But what if you set aside a solid emergency fund of $1000 and could increase that deductible to $1000? Not only would you never be stressed over the idea of scrambling to get the deductible together but you could also save $100+ on your 6 month premium.

#foodforthought #moneyminute #legacychangers #broketobillions #financialfreedom #resourcestewardship

Taking inventory of toxic factors

Sun, 19 Mar 2017 02:10:00 GMT

Sometimes we have to take a good, long, hard look at our lives and determine what is helping us and what is hurting us. There are some toxic habits, people and preferences that ate keeping us from reaching our full potential. There are times when such things are removed from our lives and we hold on to them for dear life or lament over the loss. But if we step back we may very well see that the departure of these toxic factors leaves room for health and happiness to enter into our lives.

Want to get out of debt?

Sat, 18 Mar 2017 12:25:00 GMT

You want to get out of debt?

Step one: create a realistic unshakable budget.
Most people stress over money because they haven’t learned to be responsible. Most of us had financially illiterate parents who taught us nothing about managing money and now we’re too embarrassed to admit that we don’t know what we’re doing. We waste cash and credit on trying to keep up with the Joneses thus creating an even bigger and uglier mess for ourselves.
You’re not alone. Let’s put on our big girl/boy underwear and become debt free. Then we can focus on stacking that first million.
#breakthecycle #legacychangers #broketobillions #blessedtobeablessing

Legacy Changer

Sat, 18 Mar 2017 03:43:00 GMT

You are your Legacy Changer. The power to change your life and the lives of future generations. Your most powerful tools? Knowledge and application.

Legacy Changer is designed to inspire and change the landscape of an individual’s life this projecting them into a brighter future and leaving them prepared to leave a legacy to be followed by future generations.

“Do not be ashamed of what you do not know. Be ashamed of what you do not ask.”-Brittany Outlaw, Legacy Changer

Want to get out of debt?

Sat, 18 Mar 2017 03:12:00 GMT

This is Step 1

Step one: create a realistic unshakable budget.

Most people stress over money because they haven’t learned to be responsible. Most of us had financially illiterate parents who taught us nothing about managing money and now we’re too embarrassed to admit that we don’t know what we’re doing. We waste cash and credit on trying to keep up with the Joneses thus creating an even bigger and uglier mess for ourselves.

You’re not alone. Let’s put on our big girl/boy underwear and become debt free. Then we can focus on stacking that first million.

#breakthecycle #legacychangers #broketobillions #blessedtobeablessing