Do you live paycheck to paycheck?

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Do you ever have those days where you have reached that point where you are just sick and tired of feeling sick and tired?  Everyone typically reaches this point at least once after they get that DD214 from the military.

The military says your free, but you might have anything but this feeling just a few days into this new-found freedom.

For some of us it’s the weight of our bad money choices while serving. We have a pile of debt from the videos games we thought we needed or that new car the AFES (Armed Forces Exchange Services … AKA Target) car guy said you just had to have.  For others, it could be the idea of getting a job and making it on our own merit and grit.

For me it was a little of both, I was fortunate to get a job right away after getting out, and was also a twenty-two-year-old who thought he knew what he needed to know about money.  I had managed to save while I was serving, but hadn’t learned how to handle debt and find the balance between the life I wanted now and the one I wanted to live in the future.  For many of us, we push-off the future for the happiness now, even if it means a mountain of debt later.

Our brains are excellent at accumulating issues of the future on shelves out-of-the-way in our minds.  Praying the shelf doesn’t break before we figure out what to do.  What most of us come to realize is that this shelf will break sooner or later.  You might have heard of this phenomena as Murphy’s law, it will rain sooner or later.

For me, the shelf broke almost five years later after getting out and not until I bought new tires for our cars, a new couch for the living room, new Dyson vacuum, and the last debt was a two-year-old Chevy Cruze LZ that I just had to have.

A week later is where I made one of those key moments in life where you do a ninety-degree turn into a new direction.  Would have been nice to happen a week earlier, but had it I might not have hit rock bottom as fast.

I had found Dave Ramsey and the “Total Money Maker Over.”  This book was such a game changer for me I listened to it twice in one week.  Before this book, I had felt lost on how to solve my debt issues and was starting to accept that it was going to be a part of my life forever.  The book gave me HOPE which is the one thing we lack the most with money troubles.  We can’t see the light at the end of the tunnel.  Solutions help, but just knowing that there is hope can make all the difference.

Dave doesn’t just sell hope, he gives solutions and here is the best part they work!

All of this might sound uplifting to you, but you must answer once question that is critical to making that ninety-degree pivot.

Are you sick and tired of being sick and tired?

Why is this question so important?  We only change when the pain of remaining the same is greater than the pain of changing.  If you are not truly ready, you will start, but like a new year’s resolution, the momentum won’t last.  Had I not bought that car when I did, I might have stretched on for another year floating in an ocean of debt without a light house in sight.

The hope I offer to you is this, that this journey that Dave sets you up for a life of being debt free and a life full of freedom is one worth chasing.  I am still walking this path, but with each dollar of debt destroyed, we become one step closer to freedom.


Also published on Medium.

By | 2017-09-16T14:50:42+00:00 May 22nd, 2017|Money, Veteran|2 Comments

About the Author:

I am currently on a path to learn, observe, and develop a mastery of leadership. My journey to become a Marine taught me many things about life and one of them was Marines are natural born leaders. I believe more and more everyday that our problems small to big can be solved through devoted leadership, clear vision, and a great team behind them. I have learned that the best leaders of our time have never stopped learning and will never admit they are finished , but just crossing another mile stone on the roads of success. Everyday that I am on my journey I become more excited of my future destination and meeting my future self. You can have everything in life, if you just help enough people get what they want. Zig Ziglar Core Values: Trust, Integrity, Balance, Curiosity, Wisdom, Growth, Authenticity
  • Amen to this Ben. I am making more freeing financial decisions than ever these days. The Old Me made tons of binding decisions, choosing debt over paying in cash, having my hands tied by credit card payments, the whole 9 yards. Now I focus on lessening debt and earning more cash through an increasing number of income streams. Great message!

    Ryan

    • Ben Killoy

      Debt is the most aggressively marketed product in the world … but knowing it is the real reason people don’t climb out of the middle class is the first step to recover

      Thanks for the comment