It is very hard to live a stress-free and comfortable life when you are constantly struggling for money. Lack of money usually brings on unnecessary stress which can lead to other ailments. In this article, I will guide you on how to stop struggling for money and get rich.
I am sure you have heard of a lot of rags to riches stories well they happen more often than you might think. In fact, it could happen to you also.
So do you find yourself dreaming your way to riches? If you answered yes, then you are definitely on the right track because without dreaming you are not going to get there! You have to envision what you want.
Have you ever wondered why some ordinary people with equal opportunities just like you end up in a different place from you and they are living comfortable while you still struggle to even pay your rent.
So what is the difference? It’s really quite simple, it’s all about what you are thinking. The trouble is we actually create our reality by what we are thinking and dreaming.
Here are a few questions for you:
- When you are talking with friends or family, how do you describe yourself or your life?
- Are you always talking about how you struggle?
- Do you say things like “I was never born to be rich?”
- Do you talk about how successful you are or how great life is?
If you always see yourself as struggling, that’s exactly where you will stay. We all have ideas from our childhoods implanted deep into our subconscious and if you want to change your future, you need to reprogram your subconscious. You need to see yourself as wealthy, having all that you desire, creating the riches that will fulfill your dreams.
What Does it Mean to Stop Struggling for Money?
Many people dream about a day when they can retire from work and begin doing anything they want. They fantasize about a time when they would be able to pay all their bills without even thinking about it and be able to travel the world eating in the best restaurants, staying in the fanciest resorts, and seeing the world’s most beautiful sites.
Every day Jamaicans spend a fortune on cash pot and lotto tickets. Most of these people think that if they just had enough money all their problems would be solved (at least the financial ones) and they could live a life of ease. Of course that rarely happens, even if they win millions.
What would life look like for you if you stop struggling for money? Would it be:
- Taking vacation every year without it straining your pocket?
- Freedom to pay cash for your dream car?
- Freedom to respond to the needs of others around you?
- Freedom to retire early
Comment below and let us know what it would mean to you.
For me, it means being able to work from home so I can spend quality time with my family, travel the world and contribute to my favourite charities.
So What Really is Freedom from Struggling for Money?
To me, freedom from struggling for money means having enough money to cover all of your basic needs without creating any additional stress, fears, or concerns related to your finances.
It’s the freedom to do what you really want to do in life. It’s about following your passion, making choices that you always wanted to do but could not because of the lack of money.
If you want to learn how to stop struggling for money you need to become a different person than you are today and let go of whatever has held you back in the past. Financial freedom is a process of growth, improvement and emotional strength. In other words, whatever held you back in the past will have to vanish.
On the other hand, to stop struggling for money means different things to different people. What one person needs to feel safe, is different from another.
To Stop Struggling for Money You Have to Think Big
All around the world, people are achieving success daily because at some point they got their hands on a copy of one of these books or all three like I did. Napoleon Hill’s book Think and Grow Rich, Robert T. Kiyosaki’s book Rich Dad Poor Dad and George S. Clason’s book The Richest Man in Babylon There is no doubt that these books have influenced more lives and played a key role in more fortunes than any other books of their kind.
When you read the last page of any of these books you are no longer the person you were when you began reading your book. The books continue to remain valid year after year, because they are based on a solid foundation.
Six Easy Steps to Guide You on How to Stop Struggling for Money
1. Recondition Your Mind and Dream Big
To gain financial freedom so you can stop struggling for money begins with the power of the mind and having a dream. Create a map of what your life will look like when you stop struggling for money and get rich. You have to know what it is you want and how you think you’ll get there.
It’s not good enough just to have wishful thinking. Your dream needs to resemble reality and that starts with your imagination.
2. Set Your Financial Goals
Why do you need money?
Do you want to stop struggling for money? Is there a place you’ve always wanted to travel to? Do you need to save for a wedding, children college fund or retirement?
Think about what you want and why, then assess where you are right now to determine what you need to do to get there.
3. Make a Budget
Budgeting forces an in-depth understanding of where your money is being spent . It helps to reduce money troubles and keep you on the right path financially.
4. Pay Yourself First
Before you pay your bills, before you buy groceries, before you do anything else, set aside a portion of your income to save.
5. Pay Off Your Debt
Now that you’ve got your budget taken care of, it’s time to start paying off debt! And the best way to pay off your debt is with the debt snowball method.
6. Create Additional Source of Income (Get a Side Hustle)
You can’t really save money if you don’t have any which is why it’s also important to focus on ways to earn more after you’ve gone over your expenses and reduced them.
7. Live Within Your Means
Living within your means means more than just balancing your budget. It means being aware of the difference between what you need and what you want
Step 1: Use The Power of Your Mind to Stop Struggling for Money
Do you want to stop struggling for money? Do you really want to get rich? How motivated are you?
What would you do if you stop struggling for money and became rich?
I am sure over the years you have heard many people talk about how to get rich or you might have read books on it. So why are you still struggling to buy your dream house or to pay your bills?
Well, let me tell you why:
In order for you to stop struggling for money and become rich you need the power of your mind behind you! Let’s look at some of the actions you need to take in order to get rich and make your dreams reality.
#1 Understand the Power of Your Subconscious Mind
It is important that you understand the importance of the power of your subconscious mind. When you set your goals first thing in the morning and at night before bed, you can actually reprogram your brain and you will teach yourself to focus on what it is you want to stop struggling for money.
#2 Identify the Negative Beliefs You Have About Money
What do you believe about money? Do you have a preconception about money and wealth that might stop you from achieving your goal to get rich? There are many negative beliefs associated with money especially here in Jamaica.
Some of them include:
* Money doesn’t grow on trees
* Rich people are selfish, mean, dishonest and superficial
* I am not a business person
* If he/she has that kind of money they must be doing something illegal
* Christianity and riches don’t go together
* I’m just too young (too old) to make so much money
* Those with the money know the secrets about getting rich I don’t
Don’t feel bad if you have these beliefs what you do need to do is change your subconscious belief system. Talk with people that have enjoyed success and built wealth and change how you think about money.
How The Rich Got That Way – Now It’s Your Turn
Successful Jamaican entrepreneurs like Michael Lee Chin, Butch Stewart, Usain Bolt, John Issa didn’t go to university for years, some of them didn’t even earn a degree, and yet they are some of the wealthiest people on the planet. So what do they know that you don’t?
They know that you need to dream big. You need to imagine what it is you want and how you want to get there. You need to put that to paper and train your subconscious to think the way people who want to stop struggling for money think.
These men had a desire and they were motivated to act on it. They were not scared they would fail and they never gave up. They remained persistent from the beginning. None of them came from wealthy backgrounds. None of them had lived a life of wealth previously, which means they also had lots of negative baggage going on in their subconscious but they were ready to teach their subconscious a new way of thinking and they were ready to live the dream.
They did not see themselves as poor or struggling. They did not see themselves as ‘stuck.’ Not at all – they picked up their idea and they ran with it – the end result wasn’t just success, it was amazing success making them some of the richest people Jamaica and the world.
You can be a Lee Chin or a Butch Stewart too. Now I know what you’re thinking. I don’t have any great ideas like they did. What you need to recognize is that it doesn’t matter what your idea is to achieve wealth as long as it is unique and there is a demand for what you are offering. You also need to remember there are different ways to achieve wealth and so you need to think about what’s right for you.
You have to really want financial freedom you can’t just dream about what it might be like to be rich. The desire has to be in your heart and in your mind so that you will be motivated to do whatever it takes to get there and you aren’t going to quit when you run into stumbling blocks along the way.
You need to understand what success really means. Success isn’t just about having money so that you never have to worry again. Success is about what you can do with that money you have to help better the world and others around you.
Think Big Grow Rich – Can it Really Happen
“Think & Grow Rich” by Napoleon Hill isn’t new and yet it is still one of the most often referred to books when we are talking about becoming rich. That’s because it’s been well documented that many successful people have found their blueprint to success within Hill’s book.
Hill has packed his book with many quotes, which are excellent food for thought. This is one of the many things that rings true when you are looking to be successful at getting rich.
“Desire is the starting point of all achievement, not a hope, not a wish, but a keen pulsating desire which transcends everything.”
This is an excellent quote, because it hits at the nerve of what it takes to become rich. If you are hoping and wishing that you’ll get rich and stop your day-to-day struggles and begin to enjoy the life you want, then you will have to start now by conditioning your mind.
If you are struggling for money one thing is for sure you must be your own boss and run your own business in order to get rich. As long as you are working for someone else they control your wealth. So once you have made the big step to dream big and start your own business adventure you are truly on your way to creating wealth. You now are completely in control of what your earnings look like.
Step 2: Set Your Financial Goals
It’s natural to feel lost or overwhelmed when you are struggling for money and trying to make ends meet. Start by answering this question: How do you define financial freedom or success?
For some it is a luxurious lifestyle complete with a big house and fancy car. For others, it’s owning a business or having enough financial security to avoid stressing about money. Visualize where you want to be in the future and set aspirations that align with your values. Make sure to leave room for immediate goals as you formulate a plan.
Here is your guideline to set your financial goals
1. Find your inspiration
Think not just about what you want to do, but why you want to do it. Attaching reasons to your goals can put them in perspective and fuel motivation. For example:
• Build up an emergency fund so you can afford to pay rent for at least 3 months if you lose your job.
• Get rid of credit card debt so you can put your income toward buying a house instead of interest payments.
2. List your financial goals
Create a list of all that you want to achieve financially. The list should indicate how long you think it will take to achieve them. Place goals that can be accomplished in less than six months under “Short-Term Goals,” goals that can be accomplished in six months to a year under “Medium-Term Goals,” and goals that will take more than a year to accomplish under “Long-Term Goals.”
3. Estimate the cost
How much money will it take to reach each goal? Do some research if you aren’t sure. Then write the amount under an “Estimated Cost” column.
4. Set a target date
When do you hope or need to meet your goals? Set a target date for each goal on your list and use this as your deadline to meet or beat.
5. Determine how much you need to save
Divide the estimated cost of your first goal by the number of weeks until your target date. This will show you how much money you need to save each week to meet your goal. Enter the resulting figure in an “Amount to Save Weekly” column and repeat for all of the other goals that you’ve listed.
6. Treat yourself
Setting goals doesn’t have to feel like a chore. Reward yourself for making progress and completing objectives. Once you’ve tackled high-priority goals like building an emergency fund, saving for retirement and shrinking debt, you can focus on more exciting goals. These might include making more money, investing, starting a business or saving for a major purchase like a laptop, car or house.
Step 3: Make a Budget
You might have heard it said many times that the first step to financial freedom is to create a budget. For beginners, budgeting can be very overwhelming, and it may sound scary too. Don’t let these feelings stop you from gaining financial freedom.
1. Figure out your net-pay
This is what you will receive after taxes and all the salary deductions comes out of your pay. The first step to creating a budget is to calculate your total monthly income. Include your (and your spouse’s, if you have one) total monthly income. Also take into account income sources from any side job you have, rental properties, child support, etc.
Every bit of income that is received on a regular basis should be accounted for. One thing to keep in mind is if your income can fluctuate from month to month, it could make a big difference in your budget.
For instance, if you are paid per week or forthnightly the same amount–let’s say $1000–that times the amount of checks you receive per month is your total income. So what happens when the amount of every check you receive is different because you are paid per hour or by commissions? In this case, you will need to take an average of your last three to four paystubs and use that as your income.
2. List Your Expenses
In this step, you will need to list all the expenses you have every month. Some expenses will be fixed (the same amount due every month), and other expenses will be variable (fluctuate every month).
Do not exclude anything from this category. Every expense that you spend money on has to be written down.
Determine Your Fixed Expenses
Fixed expenses are the ones where the amount to be paid every month remains the same. Some examples of fixed expenses include rent or mortgage, some utility bills, cable bills, cell phone bills, internet bills, car insurance, etc.
Determine Your Variable Expenses
Variable expenses are those that change from month to month. Some variable expenses include clothing, groceries, entertainment (eating out, snacks, movie tickets, etc.), fuel, house and car maintenance, etc.
I know that this step can be a little tedious but to make sure that you have a realistic budget, you will have to list every single expense.
3. Subtract Your Expenses from Your Income
This is the part where you will probably have to make some adjustments to your budget so that it makes sense to you and your financial goals. Add up your expenses and subtract this amount from your monthly income.
After subtracting your expenses from your income, the result should equal zero. If not, go back to the previous steps and make some adjustments to your budget. Below are some approaches you can take according to your results.
Positive Balance: You are making more than what you spend per month. Depending on your goals, it would be wise to add this “extra” amount to your savings or emergency fund or increase your debt repayment (credit card, student loans, etc.).
Negative balance: You are spending more than what you make. In this case, go back to your budget and find ways to reduce or eliminate some expenses. Your goal here is to have a balance of zero in your budget, meaning your expenses (including your savings) match your income.
When you have a negative balance, I recommend revising your variable expenses and make some adjustments to them. Another alternative is to find ways to make extra money such as a side hustle that will allow you to increase your income.
The point here is knowing where you stand financially. Learning about your financial habits will give you a clear idea of the options you’ll have to take to reach your financial goals.
4. Assess Your Budget
To make sure your budget is working, you’ll need to monitor and adjust your budget on a regular basis. Depending on your schedule, revise your budget once a week, every other week, or once a month. Many people make the mistake of setting a budget and forget about it, which is not wise at all.
There will be things that can change over time in your life, and they will impact your budget. For instance, your income may change, your financial goals may change, or there can be an unforeseen emergency where money is needed. All these things will affect your budget directly. If this happens, then your budget should be re-evaluated and adjusted.
Budgeting can be hard in the beginning, but if you stick to your budget, all your efforts will pay off! This budgeting for beginners guide will help you create a budget with a clear purpose in mind. You will not only learn to be better at managing your money but also be a step closer to reaching your financial goals.
Step 4: Pay Yourself First
One of the oldest rules of personal finance is the simple admonition to pay yourself first. All the money books tell you to do it. All the personal finance blogs say it, too. Even your parents have given you the same advice.
I know what you are thinking, YES! that money could be used elsewhere. You could pay the internet bill, could pay down debt, could buy a new food processor. You’ve tried once or twice in the past, but it’s so easy to forget. You don’t keep a budget, so when payday rolls around, the money just finds its way elsewhere.
What does “pay yourself first” even mean?
To pay yourself first means: Before you pay your bills, before you buy groceries, before you do anything else, set aside a portion of your income to save. Put the money into your savings or investment account. The first bill you pay each month should be to yourself. This habit, developed early, can help you build tremendous wealth.
This commonly used phrase refers to the practice of automatically making a savings contribution or investment with your income before it can reach your wallet. You “pay yourself first” when you contribute a percentage of your income to your retirement plan or savings account each pay period.
The transfer to your savings or investment account is done automatically, before you receive the rest of your income for paying your monthly living expenses. When you pay yourself first, you ensure the specified amount of money you want to save really does make it into your savings account or investment, since it happens before you have the opportunity to use the money for something else.
If you are self-employed or receive income sporadically, you can still take advantage of the “pay yourself first” strategy. Each and every time you receive income, deposit a specific percentage in a designated savings or investment account before you use the money for anything else.
This requires more financial discipline than having your employer deposit the money before you get paid, but if you make it a habit, you can still pay yourself first and benefit.
Pinpoint a realistic amount using the 50/30/20 approach. This method allocates 20% of your monthly income to savings, 50% to necessities and bill payments and 30% to wants. With a $10,000 monthly income, you’d reserve no more than $2000 for savings $5000 for needs and bills payment and $3000 for wants.
If you find yourself coming up short in all the categories, try supplementing your income with side gigs. Just figure out how to make money in a way that fits your situation.
The best way to develop a saving a habit is to make the process as painless as possible. Make it automatic. Make it invisible. If you arrange to have the money taken from your paycheck before you receive it, you’ll never know it’s missing.
Part of your savings plan will probably include retirement, but you should also save for intermediate goals too, such as buying a house, paying for a honeymoon, or purchasing a new car. Here are three easy ways to begin doing this yourself:
If your employer offers a pension plan enroll as soon as possible, especially if the company matches your contributions. Matched contributions are like free money.
Open a high interest savings account then set up automatic transfers into this account, either directly from your paycheck or from your regular bank account. Treat these transfers like you’d treat any other financial obligation. This should be your first and most important bill every month.
Step 5: Pay Off Your Debt
Anything owed to someone else is considered debt, that includes student loans and car loans. Ongoing bills, like electricity, water and utilities, are not considered debt. Those are just monthly expenses. The same goes for things like insurance, taxes, groceries and childcare costs.
Now that you’ve got your budget taken care of, it’s time to start paying off debt. The best way to pay off your debt is with the debt snowball method. This is the proven debt-reduction strategy where you pay off debts in order from smallest to largest, gaining momentum as each balance is paid off.
1. Use the Snowball Debt Payment Method:
1. List your debts from the smallest to largest balance. Again, disregard interest rates when you’re writing out your debts. Just stick to listing your debts based on the remaining balance.
2. Make minimum payments on all debts except the little one. Attack the smallest with a vengeance!
3. After you pay off the smallest debt, take the money you were paying on that debt and roll it into the next highest payment. See? It’s a debt snowball!
4. Repeat this method until you cross off the very last debt.
It’s time to take control of your money and plan for your future. You can do this!
2. Pay more than the minimum payment
Whether you’re carrying credit card debt, personal loans, or student loans, one of the best ways to pay them down sooner is to make more than the minimum monthly payment. Doing so will not only help you save on interest throughout the life of your loan, but it will also speed up the payoff process. To avoid any headaches, make sure your loan doesn’t charge any prepayment penalties before you get started.
3. Cut Out the Hardcore Spending
So, this is where you want to decide how fast you want to pay your debt off. If you have $10,000 to pay off that is different than $100,000. Both might seem daunting, but we need to craft a plan that will work for you in the short and long term.
It is easier to be more intense for a shorter period of time so that might be the best way to pay off that $10,000. It can be a sprint in that case where you cut everything to a bare bones budget.
We’re all tempted by something. For many, it might be the local mall or our favorite online store. For others, it might be driving by a favorite restaurant and wishing we could pop inside for a favorite meal. Then for those with a penchant for spending, having a credit card in their wallet is too much temptation to bear.
Whatever your biggest temptation is, it’s best to avoid it altogether when you’re paying down debt. When you’re constantly tempted to spend, it can be difficult to avoid new debts, let alone pay off old ones.
So, avoid temptation wherever you can, even if that means taking a different way home, avoiding the Internet, or keeping the fridge stocked so you aren’t tempted to splurge. If you must, stash those credit cards away in a sock drawer for the time being. You can always bring them back out once you’re debt-free.
Here are some things to start thinking about in the meantime.
• No Eating out or significantly reducing it
• Cut Cable
• Cut phone costs in half
• Drive less
• No vacations
• Move to save money on rent
• Use free resources such as the library
4. Increase Income
It just depends on your specific situation.
There are a few different approaches to raising one’s income and then we will talk about what is best to make money quick.
•Get a raise or switch jobs for higher pay
•Work more hours at your main job
•Start a side hustle using your skills
•Start a side business that can make money down the road
So, not all of these are conducive to paying off debt quickly, but it depends on your timeframe.
For the best results to pay off debt now you will want to sell stuff. That will be the quickest way to more money today. Otherwise, look to pick up extra hours if you can. Those are good short-term options but think about your long-term plan as well.
5. ALL Extra Money Goes Towards Debt
So, now that we have both cut our spending and increased our income the way to make a difference is to take that extra money and pay off debt with it.
To avoid hesitation, you need a plan for how you are going to pay off your debt.
Step 6: Create Additional Source of Income
Now that we are in the 21st century, it’s much easier to build a side hustle. It’s an amazing time to be alive and to find ways to make money.
Although increasing your income is not always a possibility it can be done by finding a new job, working overtime, working an additional part-time job or making money on the side with a hobby. However, making more money won’t always solve your money problem.
There are lots of ways to make money online that you probably never even heard of. There are also some that you want to avoid but overall it’s easy to make extra money.
This is especially important if you have a low income or are spending more money than you are making.
You can’t really save money if you don’t have any which is why it’s also important to focus on ways to earn more after you’ve gone over your expenses and reduced them.
If you’re trying to build up some emergency savings, earning extra money through a side hustle and depositing all your earnings into a savings account can really help you get ahead.
Side hustles make a ton of sense but can take a while to develop. They are worth it, but you should know this before starting a side hustle.
Regardless of what you choose, increasing your income is a critical step towards financial freedom so you don’t have to struggle for money anymore.
7. Live Within Your Means
Living within your means means more than just balancing your budget. It means being aware of the difference between what you need and what you want.
Living within your means requires you to be mindful of how you spend your money, but if you do it correctly, you won’t actually be depriving yourself of the things you really need to be happy.
Being financially responsible is important for your health and your financial life. To “live within your means” means that what you spend each month is less than or at least equal to the amount of money you bring in each month. For many people, it’s a lot easier said than done.
Credit cards, loans, savings, and even emergency funds allow you to buy more things than your income would ordinarily allow. Unfortunately, that kind of lifestyle isn’t sustainable and, at some point, your reckless spending will catch up to you. Your savings and access to credit will run out and when that happens, you’ll be forced to make some important changes or face financial ruin.
Know how much you make
If you want to live within your means, you have to know what your means are. Knowing your annual salary or hourly rate isn’t enough to help you live within your means. You need to know the net income that appears on your paychecks.
You also need to know how often you get paid so you can better match the timing of your income with your bills. Since most of your bills are paid monthly, you’ll need to know how much you get paid every month. Multiply weekly payments by four and bi-weekly payments by two to get your monthly pay.
Spend less money than you bring in
Once you know how much you make, you can focus on reducing your spending to fit your income. If you don’t have one already, create a budget to plan your expenses and use it to keep your spending on track. If you’ve already tried budgeting and it didn’t work, try it again. Sometimes you just need to make some minor changes to your budget to get it to work.
Sometimes budgeting in a stressful financial situation is overwhelming. Try a method called “backwards budgeting.” Write down your income, then start subtracting each expense you pay each month. If you get to a negative number, then you’re spending too much and need to cut back.
Stop relying on credit cards
Using credit cards to pay bills or cover other living expenses is not living within your means. When you plan your budget, completely rule out credit cards as a way to make ends meet.
Credit cards are unreliable since your credit card company can decrease your credit limit or even close your credit card at any time without warning. If you’re charging more than you’re paying, you’ll eventually run out of available credit.
Don’t try to keep up with the Joneses
Resist the pressure to have the same material things as the people around you and even the people on television. You may be able to use credit cards and loans to fake wealth for a short period of time, but you’ll pay for it later, and you’ll end up paying more since interest is added to your balance each month.
Save up for purchases instead of putting them on hire purchase
People often use credit cards for large purchases they can’t afford to pay for outright, like a new television. Instead of paying for these purchases on credit, put aside some money each month until you’ve saved up enough to buy it outright. If you can’t afford to save up for the purchase, then you can’t afford to buy it.
Get an emergency fund.
Having savings that’s dedicated to emergencies will keep you from resorting to credit cards whenever you have a financial emergency. An emergency fund of three to six months of living expenses is ideal, but starting out with $100 to $200 will help with some of the minor emergencies from time to time.
Separate wants and needs
When it comes to shopping, knowing the difference between a want and a need will help keep you out of debt.
Before you make a purchase, ask yourself if you really need it. If you don’t, wait before you buy it. Try using the 48-hour rule. If you see something you want to buy but don’t think you absolutely need, wait 48 hours before buying it. You might find that, more often than not, you change your mind.
Don’t fall victim to the keeping up with the Joneses mentality. Sure, your friends or neighbors might drive nicer cars, have the newest technology, or take expensive vacations, but that doesn’t mean you have to do the same.
Think of it this way: Your neighbor might have taken a loan out for the Mercedes, put the new flat-screen on his credit card, and taken out a personal loan to pay for a vacation.
Sometimes living within your means might not be as glamorous, but you will be much better off for it long term.
So if you are struggling for money and did not know how to get out I am sure this article will help you to get freedom. Just want to let you know that perseverance is key to financial success. Roadblocks and setbacks will come but navigate through them if and when they arrive, get back on track and keep moving.
Don’t let any circumstance deter you from ending your struggling for money or making your dreams become reality You can achieve your financial goals.
You can have an abundance of money. Instead of spending time thinking of how to stop struggling for money you can spend your time dreaming about how you will use your wealth or where you will live, where you will travel.
Just start thinking big that constant focus will guide you in the right direction and help you to achieve your goals. Of course, it’s going to take a lot more than just sitting on your dreams.
You’ll be disappointed if all you do is meditate your day away envisioning your big pile of green backs. But desire will motivate you to reach your wealth. If you are content with the humdrum 9 to 5 waiting for the next paycheck knowing full well that you’ll be broke before you even get that check, then that’s the life you are destined to.
However, if you are not content with that, if your desire is to stop struggling for money and the freedom to do what you want, to see what the world has to offer, to live like a millionaire, to travel the world, then start the process today. Join me in this wonderful program that has guided me on my journey. I will tell you this, I am well on my way to financial freedom and so close to quitting my nine to five job.