Financial Game Changer: Change Your Habits . . . Change Your Life

By Lynn McCarty

Build 4 financial habits.

Plug the holes in your financial lifeboat.

Turn your boat around.

Have you ever felt like you and your entire financial life are drifting in a lifeboat-with holes in it? Have you ever felt like your bad financial habits put some of the holes there? Meet Charlie and Emily. Their debt is rising faster th

• Language: English
• Publisher: Argyle Fox Publishing
• Release date: Nov 5, 2021
• ISBN: 9781953259189

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Copyright © 2021 by Lynn McCarty

All rights reserved. No portion of this book may be reproduced, stored in a retrieval system, or transmitted in any form or by any means—electronic, mechanical, photocopy, recording, scanning, or other—except for brief quotations for review or citing purposes, without the prior written permission of the author.

Published by Argyle Fox Publishing

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Publisher holds no responsibility for content of this work.

Content is the sole responsibility of the author.

ISBN 978-1-953259-17-2 (Paperback)

ISBN 978-1-953259-18-9 (Ebook)

Table of Contents

Introduction | Prepare for Change

Chapter 1 | The Money Meltdown

Chapter 2 | Everything? Yeah, Everything!

Chapter 3 | Impulsive, Autopilot Spending Leads to Crash Landings

Chapter 4 | Excuses, Excuses . . . What’s Your Excuse?

Chapter 5 | Want, Buy, Repeat: Your Path to Money Meltdown

Chapter 6 | You Are First

Chapter 7 | You Delay, You Pay!

A Parting Note | It’s Your Turn Now

Introduction

Prepare for Change

I have three questions for you. Answer all three with a yes , and this book can help you take the first step out of financial captivity.

1. Are you living paycheck to paycheck, in over your head financially or possibly drowning in debt?

2. Would an income or job loss quickly put you in serious financial trouble?

3. Are you willing to make a few simple changes to prevent a financial meltdown and free yourself from financial worries?

If you answered yes, congratulations! You’ve taken the first step toward financial stability.

In this book, you’ll discover how to avoid financial crisis mode. Already in crisis? This book will help you get out of it. Financial Game Changer offers simple, practical tools to help shrink your financial burdens.

Soon, you’ll be on your way to financial freedom. We’ll do this together, and it will be more than a journey. It will be a game changer.

Chapter 1

The Money Meltdown

Meet Charlie and Emily—a charming, young married couple who will tell you flat out that they’ve made a mess of their finances. Completely honest about their financial crisis, they admit that they’re headed for a meltdown and don’t know what to do next.

Meet Jack, Charlie’s best friend since third grade. Unlike Charlie and Emily, Jack and his wife, Kelli, aren’t held captive by their finances. Therefore, they’re not burdened by financial worries. Yet Charlie knows that Jack and Kelli pull in less income than he and Emily.

It drives Charlie crazy that Jack avoids financial paralysis, while he and Emily live in financial chaos. How does Jack do it? The question nags at Charlie.

One Saturday, Charlie and Jack were driving to the local rebuild-housing project, where they volunteer once a month. Suddenly, Charlie blurted out, Jack, how do you avoid financial chaos and captivity?

Jack thought for a minute. What do you mean?

"How do you and Kelli manage to stay out of debt, save for your children’s college education, and afford to let Kelli’s brother live rent free in the condo you own while he’s between jobs?"

It’s easy nowadays, Jack said. I just put into practice some habits my dad taught me as a kid. He called them the Four Financial Habits.

Four Financial Habits? Charlie couldn’t believe it. That’s it? That’s all you do to stay out of financial trouble—follow some habits?

Yep, Jack said. That’s it.

Charlie and Jack grew up across the street from each other. They did everything together with their dads. What was Charlie missing?

Charlie, do you remember how our dads would take us on all kinds of adventures and outings when we were growing up?

Charlie nodded. He cherished those memories.

At some point our dads would usually end up talking about finances, Jack said. Remember?

Uh-huh, Charlie said. Budgets, saving, other stuff like that. Yeah, I remember. They were always bouncing ideas off each other. But I didn’t pay much attention.

Jack smiled politely. I guess I did.

A light bulb went on in Charlie’s head. So maybe if I’d paid more attention, Emily and I would be enjoying the same financial freedom you are right now?

Pretty much. Jack shrugged as he said it. Of course, it’s not too late, ya know.

It sure feels like it. Jack rubbed his temples. You wouldn’t believe how far behind we are.

Tell you what, Jack said, not missing a beat, why don’t we get together for coffee once a month, and I’ll refresh your memory on the four financial habits our dads always talked about.

Charlie nodded.

Just keep in mind that even though I’ll share all kinds of tips with you—the only way to avoid financial meltdown is to actually incorporate those four big habits into your life.

Charlie cocked his head. Jack practically heard the gears turning in his friend’s head.

"I’m not going to lie to you, Charlie. I had to swallow my pride a bit to form new habits, but it