In this episode, Anita welcomes Ricardo Soto - credit repair “practitioner” and co-founder of Financial ER, a team created to help people achieve credit literacy and financial liberty.   Tune in as Ricardo shares how family tragedy, bankruptcy, and getting fired not only motivated him but led him to his mission today. Epitomizing the mindset that everything happens for a reason, Ricardo urges you to believe in yourself, build healthy habits, and manifest opportunities that will give you the means to create wealth.    Join the conversation and don’t miss this relaxed and informative episode of Manifesting Money.   KEY POINTS: Ricardo’s path to credit repair practitioner  Moving past a victim mentality Manifestation comes in the form of opportunity Why journaling is key Biggest credit repair myths    QUOTABLES: “Getting fired, getting a bankruptcy under my belt - those are my medals of honor now because I'm able to recognize those things. But without all those struggles, I wouldn't have got out of that comfort zone.” “If your financial habits don't change, then your outcome is never going to change.”   GUEST RESOURCES: For consultations, check out Ricardo’s TikTok and follow the link in his bio! TikTok | tiktok.com/@thatguy.ricardo IG | instagram.com/thatguy.ricardo Join the 21-Day Hypnosis Challenge: I Am Abundant AF | jonhillstead.mykajabi.com/iamabundantaf    PRODUCTS / RESOURCES: The Manifesting Money Podcast is happy to invite you to our very first Christmas Gala! eventbrite.com/e/the-manifesting-money-podcast-presents-a-christmas-gala-2021-tickets-216483597267?aff=ebdssbdestsearch   Join the Millionaire Academy Waitlist: manifestingmoneypodcast.thinkific.com/courses/one-on-one-and-millionaire-academy Sign up for the 31 Days of Abundance Course here: manifestingmoneypodcast.thinkific.com/courses/31-days-of-abundance   Follow Manifesting Monday Podcast on social media and share the love! TikTok | tiktok.com/@manifestingmoneypodcast IG | instagram.com/manifestingmoneypodcast/ Subscribe to Manifesting Money Podcast on YouTube - youtube.com/channel/UCpXrOIdzEEYGq9XzbiW263g Manifesting Money is edited by Instapodcasts (visit at instapodcasts.com)