Do you remember what your financial situation was 10 years ago? I do and very vividly. It was not a good situation at all.
In order to win with your money, you need to have a plan of attack for your finances. It won’t happen by accident. Financial success requires that you are steadfast in executing and monitoring each step of your financial plan along the way.
You can make the decision to get on different plan that gives you and your family hope for the future. But wishing for a different outcome is only part of the equation. You need a plan and you need to act on your plan with urgency and discipline.