Hey, You Paying Off That Debt!

Philadelphia Bike Race - flying off Lemon Hill

The race is not to the swift.

Yeah. You made mistakes.

It stinks looking at that long road ahead.

Your friends go out. They have a good time. They have nice things.

You scrimp and save.

You don’t spend on anything that isn’t absolutely necessary to keep your family clothed, fed, and sheltered.

You have to say no when invited to join everyone for a night on the town.

“It’s not in the budget,” you have to admit.

It’s embarrassing.

You beat yourself up for your past sins.

You’re tempted.

You don’t give in. You sigh, put a little more steel in your backbone, and carry on.

On those weekends when you’re working that extra job to bring in a little more money, you wonder:

“What am I doing wrong?”

You’re not doing anything wrong.

You’re building great habits that will serve you well for the rest of your life.

You’re making progress.

What happened in the past is done.

You’ll never go back there.

You won’t make the same mistakes again.

What do marathoners do when they hit that wall at the 21st mile?

They keep running.

One foot in front of the other.

That’s what you need to keep doing.

One foot in front of the other.

You’ll get there.

And when you do, it will be one of the happiest days in your life.

Keep kicking butt.

You’re doing great!

About Jason Hull, CFP®

Jason Hull, CFP®, is the Chief Technology officer of myFinancialAnswers, an online comprehensive financial planning service.