Hi David,

I have a small journal that I keep in my purse. In this journal, I write my goals and favorite quotes to keep me motivated. On April 12, I made a decision to become rich. I believe it was around the time that I signed up for coaching. I wrote a journal entry about the steps that I needed to take to reach my goal. At that moment, I felt a huge release. I was finally fed up and ready to tackle my finances. I only have student loan debt, but I found that I was wasting money that could be going towards my savings. I went to my benefits department and increased my retirement contribution from 15% to 20%. It’s amazing because my net pay only dropped by $40 per pay period. I end up keeping 75% of my income after taxes. I had an “if only” moment as I thought about how I should have done this years ago, but I quickly let it go. As Oprah says “When you know better you do better.”

I completed my financial inventory sheets and currently have a net cash flow of $300 for savings which goes automatically into a savings account. Also, my beneficiaries are up to date. I do need to speak to a financial advisor about moving my pension from my previous employer into an IRA account.