Starting from scratch. My journey into financial literacy and true prosperity.

If you know how to use a 401k versus 529 already then this blog probably isn't for you. I personally have no idea! I have subscriptions to Money, Kiplinger's, and Success magazines and I honestly feel like I'm reading a mix of english and gibberish. The last three books in my library have been:

1. The 4hour Work-week by Timothy Ferris
(What I learned is that this book is a bit above my head in the area of financial literacy but, is right on par with my dreams! I will be coming back to this book in future bogs but, this one needs to be just the basics.)

2. Money: Master the Game: 7 Simple steps to financial freedom by Tony Robbins
(This book is going to be our main guide over the next few months. Tony breaks down what I and possibly you need to do to become financially literate and achieve financial stability)

3. Rich Dad Poor Dad by Robert Kiyosaki
(Robert continually reminds us that becoming financially literate is a must for sucess and true prosperity.)
Books 2&3 have been listened to on Audible and are still in progress.

What I have learned is that I need to learn this stuff! Sooner than later! Im 35 years old. My husband is 40 and we, like the average americans, have less than $5,000 in savings (we have close to no savings honestly). This reality is sad and scary. We both work for ourselves. I have $200,000 in student loan debt from veterinary school and we have credit card debt too. Things do not look good on paper. We have a 7yo, a 1yo, and another baby on the way. How can we save for collage for our kids when we are still paying for our collage? I don't know but, Im going to figure it out!

On the plus side we are hard working, entrepreneurial people willing to learn, grow, and change our mindsets, because that IS step one. We have above average earning potential and our businesses are growing. As more money comes in however, we have made the mistake of increasing our spending like average american's tend to do. I mean come on, we deserve it right! We work hard, we have scrimped by in collage for years, and, we "need" vacations and dinners out!
Mindset shift #1: We NEED to save  money and achieve financial security above all else!!

So, I am inviting you to come along with me and make changes, learn the language of the financially literate and, develop financial security, independence and ultimately freedom!