Do you ever feel like you’re just scraping by?
You crave financial freedom but instead:

• Paying for essentials feels like fighting an uphill battle.

• Life is measured from paycheck to paycheck.

• You pinch every penny just to survive.

You’re stressed. Tired. Frustrated. But know this: you’re not alone.

The Current Financial Landscape

Financial strain is now a growing anxiety trigger, especially among college students.
According to Forbes, a New America Foundation study found that:

• The median debt for graduate students is $57,600.

• One in four borrowers owes $100,000 or more.

And if it’s not student loans, it’s crushing credit card debt.
Sky-high interest rates are eating people alive.

But there’s an alternative:
Financial freedom.

How Much Money Do You Need for Financial Freedom?

It depends on what “freedom” means to you.
For some, it’s:

• Pursuing a passion career (even with lower pay)

• Retiring early

• Taking multiple vacations each year

• Buying what you love without financial strain

• Working less but earning more

“Freedom has nothing to do with the actual dollar amount. Freedom is you get to do what you love.”

20 Habits to Destroy Debt and Build Wealth

Habit #1: Set Outcome Goals

Start with 90-day financial goals like:

• Save an extra $1,500

• Pay down $3,000 in student loans

• Invest $2,000 into stocks

Big dreams start with bite-sized victories.

Habit #2: Set Process Goals

Process goals define how you’ll achieve outcome goals.
Example:
“Over the next two weeks, I will save $200 from my paycheck.”

Habit #3: Stop Making Excuses

Don’t fall into “everyone’s drowning in debt” thinking. Surround yourself with financially savvy people who elevate you.

Habit #4: Reject the Scarcity Mindset

Shift from “I can’t afford it” to “How can I afford it?” Desire financial freedom with unwavering intensity.

Habit #5: Commit to a Monthly Budget

Without a budget, you’re flying blind. Know your income, expenses, and financial gaps every month.

Habit #6: Be More Frugal

Simple ways to save:

• Cut cable and use streaming

• Cook meals at home

• Sleep on big purchases before deciding

• Buy groceries in bulk

Habit #7: Pay Yourself FIRST

George Clason’s timeless advice:
“Start thy purse to fattening.”
Save at least 10% of your income right away.

Habit #8: Say NO to Late Fees

Late fees are wealth killers. Set up autopay and reminders to stay ahead.

Habit #9: Seek Extra Income

Speed up your journey:

• Part-time jobs

• Freelancing

• Side hustles

• Selling skills or services

Habit #10: Buy Assets, Not Liabilities

Assets put money into your pocket (stocks, real estate). Liabilities drain your cash flow (credit card debt, car loans).

Habit #11: Attack Your Debt Strategically

Use methods like:

• Debt Avalanche (highest interest first)

• Debt Snowball (smallest balance first)

Habit #12: Regularly Review Your Expenses

Track every dollar.
Adjust spending habits monthly to stay on course.

Habit #13: Consult a Financial Advisor

When you’re ready, hire experts to create long-term strategies.

Habit #14: Invest in Yourself

Best investments:

• Financial education books

• Career skill upgrades

• Monetizing your passions

Habit #15: Prioritize Health

Good health saves you:

• On medical bills

• On food costs

• By improving career performance

Habit #16: Invest Early and Consistently

Compound interest is your best friend. Even $100/month invested early grows massively over time.

Habit #17: Teach Your Children About Money

Pass down smart money habits to future generations.

Habit #18: Prepare for Retirement

Open a 401k or IRA now:

• Automate contributions

• Get employer match if possible

• Benefit from decades of compound growth

Habit #19: Be Accountable

Hold yourself responsible for progress—even when no one else is watching.

Habit #20: Solve Problems, Start a Business

Innovation = wealth.
People like Kevin Liang (Aquaponics) and Brooke Castillo (Life Coach School) found freedom by solving real-world problems.

Financial Freedom: Ultimately, It’s Up to You

Managing money can be exhausting. You’ll stumble. You’ll face challenges.

But as Robert Kiyosaki said:

“You’re only poor if you give up. The most important thing is that you did something.”

Every step you take moves you closer to financial freedom. Take action today—and refuse to settle for less.