New Years Day is no longer the start date to begin your new journey. You can hit the reset button at anytime and NOW is a great time to start on you 2.0. Just as you may feel sluggish after an amazing tour of Italy, where you ate your way through the country, guilty after a magnificent Thanksgiving meal with the family, or remorseful after a grand birthday celebration and need a deep detox to purge yourself of the gluttonous festivities, now must the deep cleansing happen in your finances after the insatiable bad habits. It's time to get off the financial merry-go-round and end this perpetual cycle of struggling to break free or stay free of debt.

There's no magical elixir, two-step program, or one-hour seminar that miraculously catapults you to millionaire status or even financial freedom. My friend, you must do the work! Roll up your sleeves, take a deep breath, and face the man in the mirror. It may be hard to see that reflection, but beautiful things can come from broken pieces. Don't run from it but run to it, own it, and then commit to change it...one day at a time.

We are declaring war on financial stagnation and will no longer settle for mediocrity. LET'S GO!