Are you trying to cut off your expenses, but your friends and family keep pushing you to spend money on things like dinners, gym memberships and birthdays and don't know how to say no without hurting anybody? 


Uffff, one of the hardest things about getting out of debt, is dealing with social pressures. If you just could hide in a cave while you pay off your debt, you could achieve your goal so quickly because there were no social obligations, no temptations, nothing!  


But like it or not, we are social creatures, and you can't just cut people off your life while you try to fix your financial mess.


So what should you do?

Communicate. Yes, communicate in advance what you are going to do in the coming year or two and set the expectations clearly. 


Yes, I know it's hard to talk about your money issues but, think about this, probably most of your friends and family are in the same situation than you and are ashamed to talk about it. And if...

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If you are trying to make any improvement in your life, you certainly have received many "pieces of advice" from friends, family and even from random people you don't know.  And yes, most of those opinions are not helpful at all and you didn’t even ask for them. Let me know in the comments if you received those annoying advice.


So how can you listen to those opinions without getting off your track or getting all defensive? 


This is what we have figured out:

Most people's opinions come from a place of fear

Yes, people have their own issues, their own experiences, their own set of beliefs and most of the advice you will get comes from mainly two fears. The fear that something terrible can happen to you. Or the fear of realizing that they were wrong.


Let me give you some examples.

My parents have always shared their opinions with me, and most of their thoughts are about what if… what if something bad happens to you? What if you lose all your...

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We all dream about financial freedom, and a lot of people use this phrase in their motivational speech or their marketing.

But what Financial freedom really is?


Well, Financial freedom is a term to define the level of freedom you have to make crucial decisions in your life. In other words: how financially stable you are so you can do whatever you want whenever you want, without asking anybody.

And with this simple calculation, you can know right now how financially free you currently are:


everything you own minus everything you owe


The total resulting from this calculation tells you how financially free you are to make decisions like changing career, retire early or start that dream business you have in mind.

This calculation is called Net Worth, in case you want to sound cool and smart, and to make it easier for you, we created a calculator that you can download for free. Just click the link below and find out how free you are!


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Do you find yourself asking how did I get here?

How did I get to this financial mess? When did it start? Well, we found 6 main reasons why, and because it will be too long to talk about all of them in one video, we created a 2-part video series. Today I will be talking about the remaining 3 main reasons why we get in debt, and if you haven’t watched the previous video, I recommend you to watch that one first.

  1. STUDENT LOANS. This is the case for many professionals. You “invest” in education with the illusion that you will get a good job to pay it back. But what happens when you realize that it will take you much longer than you expected to build your way up in the organization? What happens when you realize that there is no demand for professionals in your field? Or there are too many professionals for the actual demand?. That’s what happens in my native country now, the rates of young unemployed professionals are alarming. And you have to add to this that...
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Do you find yourself asking how did I get here? How did I get into this financial mess? When did it start?

Well, we identified 6 main reasons why, and because it will be too long to talk about all of them in one blog, today I will be talking about the first 3 main reasons why we get in debt and next week we are going to talk about the remaining ones. 

  1. Living beyond your means. What does it mean, it means you are living a lifestyle that you can’t afford.

When you buy things that you don’t need, but you have your finances in order and enough extra money to pay for them… please go ahead! Buy it, enjoy it!  But if you are paying it with credit, my friend… we have a problem.

We, humans, are experts in finding meaning to things we don’t need, here is what I mean:

If you have a busy life you NEED to buy pre-made food, spend on eating out or buy store coffee to keep you going on your busy day.  

If you have a high position in a...

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Many people we know had tried to make a vision board, get magazines and put pictures of all the things they want but they are not attracting the life they really dream of. Why is that?

Well, we believe that those boards are missing the 2 essential things:

1. Have a clear purpose

2. Take actions that align with that purpose

A friend of mine was talking the other day about her vision board. She was saying that she bought the exact car that she visioned on her board. Same colour, same brand, etc. Excellent right, she just manifested what she visioned. But the problem is this... to get the car of her dreams she had to finance it with a high-interest rate for 7 years.

So, where is the purpose of getting that car if you are jeopardizing your freedom, adding stress to your life, having to stay in a job you hate because you need to meet the payments of that car?

Now I will show you our vision board, it doesn’t have pictures because the words resonate more with us than a picture....

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Take Control of Your Money and Live The Life You Dream

That day when you say I DO is the start of your dream life. And then the family grows and your life is complete.

The family you dreamed!!!

You got that beautiful home, that modern furniture, that nice comfortable car.
You did it! you built the life you dreamed of together.

But why you don’t feel happy, calm and fulfilled?
Why did those lovely good night hugs turn into fights?

Is the debt overload affecting your happiness?


The mortgage, car loan, student loan, and good education for your kids are keeping you awake at night?…. Is this the life you want to live?

Always worried, scared, tired, frustrated and hopeless. And let your love fall apart because debt has turned you into the worst version of yourself.


Don’t let this happen.

You can take control of your life right now!
The only thing you need is to take action and commit to fixing it yourself.

Don’t rely on someone else to fix your life. You can learn how to handle your own money, create your...

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