I was selling investments and was encountering the same problems over and over again. A client tells me they want to invest, but have a massive credit card problem sucking up their money.
Another client wants to save for their kids college, but is still paying on their student loans.
And yet another client wants to have money in retirement, but can't seem to save any money.
On paper, my clients made enough money to be able to save, go on vacations, and make home upgrades. But in real life, they were out of money every single month. This problem persisted regardless of their profession, family situation, or income level.
These were all smart people, who are successful in all aspects of life, except money. They knew they wanted to be making progress in their financial lives. They are people who work hard, take good care of their families, and are generally responsible adult humans.
I became curious and wanted to know more.