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When was the last time the CEO of a credit card company thanked you for their yacht? If you're new here, WELCOME! My name is Michelle, but my friends and family call me Money Momma because I'm a CERTIFIED financial planner. I worked on Wall Street for years. I retired from corporate life and now it's my personal mission to help as many people get out of debt and build wealth. My clients who overcame debt the fastest, they weren't the ones who had the smallest balances, they were the ones who were best at changing their mindset and habits around money. And here's how you can do it too. Step 1: Believe in Yourself. You are worthy of financial freedom, of peace of mind. Say it out loud. I am worthy! No. Say it out loud so I can actually hear it. I'm Worthy! Step 2: Commit. Tell someone or tell me, I've got your back and you need a friend to hold you accountable. Step 3: Paws. Pause before spending every dollar. This one is huge because if you start pausing before every spend and you start thinking about, if I had to pay this off by Friday, would you still buy it? If you need to pay this off by Friday, would you still buy it? You know what's important and you know what you're just buying because you wanna buy. And those are the things to stop doing. Once you pause, you stop making that impulse purchase, that's gonna change your life because instead of spending that money or racking up more debt, you could put that make a micropayment towards your credit card. Start doing those three things and you're gonna see how life can change because what you're building to build: financial freedom, wealth, peace of mind. From there on, instead of giving away $200 a month to someone else so they can buy a yacht, you're gonna start giving that $200 TO yourself and you're gonna watch that account grow. This is Money Momma. I've got you.