If you have attended one of our Financial Learning Experiences or heard me speak somewhere, chances are pretty good that you have had heard me talk about IHHE Moments – I Have Had Enough Moments.
I Have Had Enough … of those who say, "I can't do this!"
I have spoken to or with tens of thousands of people regarding the topic of personal finances. Without fail from every single event, I have received the phone call, e-mail, or comment that basically says this:
That is easy for you to say. You have no debt. You have income. This will not work for me because of [insert situation here].
I have had enough! I do not want to hear it anymore! The FACT (regardless of how one feels about a situation) are that you CAN win with your money. You CAN become debt-free. You CAN save for retirement. You CAN own a house some day. You CAN pursue a dream.
To those who would say, "Joe, you have no debt." I would respond by asking them if they have ever read my book, I Was Broke. Now I'm Not.? I was up to my eyeballs in debt! While I pursued debt freedom, my wife had to have not one, but two major surgeries with huge deductibles that we had to pay. Since we have become debt-free, we have experienced to more surgeries, two failed heat pumps, a fixer-upper house, a failed transmission, and many other expenses. If we could endure this and become debt-free, so can you!
To those who would say, "Joe, you have income." This is true. My hero, Dave Ramsey, has said it many times. There is a good place to go when you are broke – to work – it is a sure-fired moneymaking scheme! I have always worked. Always. I might even be called a workaholic, but the fact is that I will not accept unemployment. I have spent the time and money to obtain an undergraduate degree. Once I earned a job in the workplace, I spent the time and money to obtain a graduate degree – all while working a full-time job, being a husband, and becoming a father for the first time. But I will tell you that I have worked jobs that were horrible too. I have cleaned confinement hog buildings and "maintained" the hogs (no further details here – but it was awful) – all for minimum wage. I have cleaned horse stalls and green broke race horses. I was trampled by one, stepped on a nail while climbing the fence, and scooped horse dung all day long – for a few cents more than minimum wage. I worked at Taco Bell. I worked in a smoking hot steel mill. If I could do this, so can you!
You CAN do this! No matter what your doubters say. No matter what your family says. No matter the frustrations of accomplishing it.
STOP saying you CAN'T do it, and START saying that you WILL do it.