At the DROWNING POINT, your expenses typically exceed your income either regularly or periodically. Either way, this needs to change so you don't drown in debt and stress. You likely have more debt (amounts owed to others) than assets (value of things owned by you). The debt could include everything from a mortgage and student loans to car loans and credit cards and everything in between. That’s OK, many of start here and there is a path out. It's called the AFFLUENCE BLUEPRINT.

At this stage, the most important thing is to simply make the decision that your financial liberation is a priority. This can be done one of two ways, finding additional sources of income or debt/expense elimination or a combination of the two. This will be the beginning of your journey to AFFLUENCE.

Using processes and tools like the Debt Breakthrough Calculator ™ will help organize your debts and put you on a payment plan that can get them paid off (typically in 5 years or less). For now, you can start by documenting your expenses (all of them) then noting which ones are "needs" versus "wants". Be careful much of what you think are needs are likely wants which makes them optional.

The big word here is ELIMINATION!