"The truth will you set you free, but first it is going to piss you off." -unknown

True, other people have had it easier than you. They got a big inheritance, lucked out with the dream job, or had a natural ability in a high demand, high pay field. Many, many, many people have had it far worse, also. Somewhere along the line it became clear that you can influence your own world through education. Most can't say that. You are where you are. Regret is wasted energy. Wishing is counterproductive. Your success or failure is your own doing and your own responsibility. Even if your finances were flushed by a big heart and other people's manipulation, that is your responsibility (see our Communication & Relationships Course). Accept responsibility for your own success or failure and life becomes a magnificent adventure.

“I judge you unfortunate because you have never lived through misfortune. You have passed through life without an opponent- no one can ever know what you are capable of, not even you.” -Seneca

It isn't always fun, but step one is to clearly see your own financial picture. 

Download the attached document titled "Your Financial Picture." I recommend printing at least a couple of copies, as it will be a great resource moving forward. Fill this out as clearly and honestly as possible If you are married or thinking about marriage, consider doing this together and please share the results with your spouse. 

For high school kids that don't have a bank account, ignore the attached questions and open your own checking account.  Then talk with your parents about syncing your account with acorns.

The Essential Financial Strategies Course

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