FINANCIAL SUCCESS OR NEXT GUEST
IS ON A MISSION TO HELP
INDIVIDUALS BECOME FINANCIALLY
RESILIENT BUILD WEALTH AND.
HARMONY WITHIN OUR
RELATIONSHIPS, JOINING ME NOW
TO SHARE LINTON FOUNDER OF
BREAKING CYCLES AND THIS YEAR
IS SO GOOD TO HAVE YOU WITH US
THIS MORNING. YOU LAUNCH THIS
COMPANY.
>> SO FOR ME THANK YOU GUYS FOR
HAVING ME ON THE SHOW
OUT THERE FOR ME BREAKING
CYCLES CAME OUT OF MY OWN
FINANCIAL
JOURNEY WHERE I HAD ENTERED
INTO A NEW 5, 8 AND FOUND
MYSELF NOT SPENDING BASED ON
WHAT I BELIEVE THAT WHAT I
VALUE AND SO I STARTED
TO EXAMINE A LITTLE BIT MORE
ABOUT MY FINANCIAL BEHAVIORS
AND I NOTICE THAT AT THAT POINT
I WAS A
SINGLE MOM 2 KIDS $60,000 AND
THAT I HAD STUDENT LOANS,
PERSONAL LOANS CREDIT COM.
I I
HAD IT AND I REALLY WANTED TO
ACTUALLY BREAK THIS CYCLE.
I DID NOT WANT TO PASS THIS
DOWN TO MY KIDS OR THESE
BEHAVIORS. AND SO I TRIED
EVERYTHING I TYPE THE BOOK'S
THE WEBINARS THE COURSES I KEPT
FEELING AT IT.
AND SO I DECIDED THAT I WAS
GOING TO TURN THIS INTO I CAN
T J AND I EVENTUALLY END UP
WATCHING BREAKING CYCLES OF
YEARS AGO WHERE NOW I
HEALTH PROFESSIONALS, 9 THEIR
FINANCIAL BEHAVIORS BUT THEIR
SAYS THAT.
>> AN AMAZING STORY NEXT YEAR,
I KNOW SO MANY PEOPLE OUT THERE
ARE STRUGGLING WITH STUDENT
DEBT. IT'S A REAL THING.
WHAT YOU LEARNED THAT YOUR GERE
I JOURNEY THAT GOT YOU ON THE
RIGHT PATH TO LIVING A
FINANCIALLY HEALTHY LIFE.
>> WELL FOR ME ONE OF THE
THINGS I LEARNED WAS WITH ALL
THE RECOMMENDATIONS THAT ARE
GETTING ALL THE ADVICE STUDENT
LOANS THAT WASN'T ACTUALLY MY
FINANCIAL PRIORITY. WHAT
MATTERED MOST TO ME AT THAT
TIME WITH MAKING SURE
THAT OUR EMERGENCY FUNDING SOME
SECURITY JUST IN CASE ANYTHING
HAPPENED TO ME I WANT TO MAKE
SURE THAT I CAN HELP TAKE CARE
OF
MY KIDS IN THE EVENT THAT I
DIDN'T HAVE AN INCOME COMING IN
AND SO ONCE I SETTLED ON A
NUMBER AND STARTED TACKLING
BUILDING UP ITS SAVINGS BY I
REDUCE MY FINANCIAL STRESS
SIGNIFICANTLY AND THEN WAS ABLE
TO TACKLE MY STUDENT LOAN DEBT,
SO IT'S REALLY ABOUT
PRIORITIZING WHAT MATTERS TO
YOU MOST.
>> IN MONEY MISTAKES NEXT YEAR
AND THAT YOU SEE PEOPLE MAKE
AND WHAT ARE SOME TOOLS OUT
THERE THAT CAN HELP.
>> A ONE TIME THE STATE SAYS
WHEN PEOPLE ARE GOING TO GET
THEIR FINANCES ORDER OR CHANGE
MAYBE PERHAPS COM OR MAKE A
LIFE CHANGE IT AUTOMATIC E OR
GO TO WHAT THE THE INK
OR HEARD RED IS THE RIGHT
CHOICE FOR THEM AND SO IF THEY
WANT TO
CHANGE IT 3 AND THEY
AUTOMATICALLY SAY WELL WHAT'S
AGREED WHEN YOU GO BACK AND GET
OR THEY THEY THINK THAT BECAUSE
THERE ARE CERTAIN AGES NOW TIME
TO BUY
A HOME AND THAT'S NOT
NECESSARILY ALWAYS THE CASE AND
SO ONE OF THE BEST TOOLS THEY
CAN DO IT. PEOPLE HAVE A
CONVERSATION
WITH SOMEONE WHO'S IN A
POSITION THAT THEY WANT TO BE
IN THAT
CONVERSATION COULD HELP THEM
ASSESS DO I REALLY NEED THAT
NEXT DEGREE DO I REALLY WANT TO
BE A HOMEOWNER RIGHT NOW.
SO THAT'S SOME OF THE THINGS
THAT YOU CAN DO
IN THIS STAT OF JUST JUMPING IN
MAKING A DECISION BASED ON JUST
THAT ONE WAY OF THINKING.
>> I THINK GOOD TO POOL A LOT
OF ADVICE. NO DOUBT
ABOUT THAT. SO WHEN IT COMES TO
SPENDING BEHAVIORS, ESPECIALLY
AS WE TALK REOPEN HERE IN THIS
ECONOMY AND PROBABLY A LOT OF
DISTRACTIONS OR ENTICING DEALS
TO SPEND ON WHAT ARE SOME WAYS
TO BREAK BAD SPENDING HABITS.
>> ADDRESS THE HAVOC THAT YOU
WANT TO CHANGE SO A LOT OF
PEOPLE IT ON THE ONLY SPEND SO
MUCH WHEN I GO TO THE STORE
ALWAYS EATING OUT WITH A FRIEND
OR JUMPING INTO A
SHARED RIDE. SO I SAY THOSE ARE
THE SYMPTOMS AND SO IDENTIFYING
THEM HAVE START START TO THINK
ABOUT WHAT NEED YOU'RE ACTUALLY
TRYING TO ME
SO GO A LITTLE BIT DEEPER THAN
JUST CHINA MAKES PERCENT FROM
BUT ACTUALLY THINK ABOUT THE
NEED FOR CHINA
TO MEET. SO IT MAY BE CAN YOU
HANG OUT WITH FRIENDS OUTSIDE
EATING COULD YOU DO SOMETHING I
KNOW FOR ME PEOPLE WILL
RECOMMEND TAKING THINGS OUT MY
BUDGET LIKE COFFEE, BUT A LOT
OF GREAT THINGS A LOT OF GREAT
CONVERSATIONS HAPPEN FOR ME
OVER COFFEE, SO START TO THINK
ABOUT HOW CAN I DO SAY OR
DO IT IN ANOTHER WAY SO EMANATE
EVERYTHING BUT ALSO TRY TO
MONITOR IT THEY NEED YOU'RE
TRYING TO ME.
>> PEOPLE TAKE A MORE
MINDFUL UP THIS YEAR AT TO A
FINANCIAL HOW HE GOT SUCH GREAT
ADVICE. I WANT TO HEAR WHAT YOU
HAVE TO SAY ABOUT THIS ONE.
SO FINANCIAL.
>> HOW REALLY IS AN INTERNAL
THING IT'S NOT SOMETHING
TO YOU COULD BE DONE ABOVE OR
DISCOVER BY SITTING WITH
SOMEONE ELSE WE SHOULD REALLY
START TO THINK ABOUT WHAT
MATTERS MOST
TO YOU WHAT THIS MIGHT MEAN TO
YOU AND HOW ITS BACKING TO HELP
YOU ACHIEVE YOUR
LIFE GOALS. RATHER THAN
THINKING ABOUT IT HAS THAT NEXT
AMOUNT YOU WANT TO BUILD THINK
ABOUT WHAT THAT AMOUNT IS GOING
TO THE FIELD IN YOUR KNUCKLES
AND HOW
THAT'S GOING.
>> CHANGE I WRITE THIS LINTON
FOUNDER OF BREAKING IT CYCLES
THIS YEAR AT FABULOUS STORY
THEY'RE AN AMAZING WORK THAT
YOU'RE DOING. THANK YOU SO MUCH
FOR JOINING US ON CHED-HER THIS
MORNING. JP MORGAN IS COMMITTED