“What if I lose my job?”

"What if I get sick and can't work?"

"What if I never stop feeling broke?"

"What if I have to stay in this job I hate forever?"

"What if I never achieve my dream of owning a business?

"What if my kids never move out of my house?"

If you're someone who is doing a great job of pushing all of those "What ifs" out of your mind, I’m not here to convince you to worry.

I am here to warn you that you can't enjoy blissful ignorance forever. One day, you won't be able to push your money worries out of your head.

In the meantime, you have 2 choices:

1. Keep putting on your spanx every day. Keep blissfully ignoring the fact that you are not capable of climbing the debt/illness/job loss/bad financial decision mountain that's coming.

2. Take off your spanx and look in the mirror. Accept you're flabby and not ready, and write down the top 3 money stresses you know you need to deal with.

(If you want to get help dealing with those what ifs RIGHT NOW, without reading the rest of this article, click here.)

Once again, I’m not saying I think people should worry about their money. Quite the contrary, actually. Worrying is an unhealthy habit that stems from lack of knowledge.

Blissful ignorance is better than worrying.

Like most people I've met, my twenties were all about blissful ignorance. I didn’t listen to my parents when they told me not to spend every penny I made in case of an emergency. When the pain of being broke got bad enough, I knew I had to fix my bad habits. The problem was, I didn’t know how and I didn't know who to turn to for advice!

Money problems are the most difficult problems to solve because:

1. We were raised to keep our finances private. Few people will actually ask a friend or boss or business partner for personal money management advice.

2. Most bank "financial advisors" and people who claim to give professional financial advice are actually financial product salespersons who cannot be compensated for giving advice alone.

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Thus, financial success is often FAKED.

I’m all for the “fake it ’til you make it” technique, but we need to remember that the goal is to actually MAKE IT!

How do you get past blissful money ignorance?

1. Be curious. Don't be afraid to ask "stupid questions". (There are no stupid questions when it comes to money!)

2. Ask the RIGHT questions.

My curiosity about how money works led me to a career in financial consulting that began in 2010. As I learned how money works, I shared the information with hundreds of families through private consultations, workshops, YouTube videos, articles, my book, and recently, online courses.

Throughout this journey, I've learned that most people who appear to be living an above-average lifestyle are broke...

Broke & Wearing Debt Spanx.

The worst part is, many of the people wearing debt spanx shouldn't be. They wouldn't have ended up putting on the spanx if they'd found the right financial advice, either from a friend who is honest about their money struggles, or a fee-for-service financial consultant, or a great book, or an online course.

Here are the two most important questions to ask any financial professional you're considering talking to about your money:

1. How are you compensated from giving financial advice to your clients? Can you charge me a fee to educate me and answer my questions or do you have to sell me something to get paid?

2. Who have you helped? Do you have a Facebook or LinkedIn page or website with testimonials about your service?

 

If you are sick of faking money success, or you have a loved one who could use some  *unbiased financial advice*  (you won't find this at any bank, by the way), here are a few of my latest creations to get people out of their DEBT SPANX and ready to run up MONEY MOUNTAINS:

 

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~ Lyndsie

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