Photo by Kristin on Unsplash

Want to know my favorite thing?

Talks with Bill hands down. Not just any talk, I am speaking about soulful, get into the deep water stuff. I love having those meaningful talks with him. I adore the “what is the meaning of life?” discussions we have. We don’t have them as much as I’d like, but when we do, boy they are good.

This weekend we were on our way to a hockey tournament and that gave us 3 hours in the car. Bill started a real estate business on the side of his full-time job as an orthopedic physician assistant. Not an easy path. What he has learned is that over time he has come a long way. He didn’t necessarily know more than the average person about real estate when he started but he knew what he had to do. He had to learn in order to grow. He had to try in order to make progress. He had to be diligent about his time or it would waste away.

He read, he listened to podcasts, he met with people, he joined a real estate networking group. He did and still keeps, doing the work.

During our car ride, we were talking about that need to keep moving forward. Keep showing up for your dream. We talked about why? Why keep showing up? It is hard. Not everyone is doing something outside their full-time job. Why us?

The answer is that nagging question of “why not me?” We can do hard things, we just have to want it more than wanting to stay the same.


Bill and I followed the Dave Ramsey 7 baby steps and we got all the way to baby step 7. Amazing. But it left us thinking, now what? Once you have achieved something that made you super uncomfortable, like paying off debt and paying off your house, you actually want to be in that space of uncomfortableness, because that is how you know you’re making progress. It is how you know you are living.

We talked about the evidence that is all around us that it is possible to achieve anything. Look at all the people that have paid off debt. Go to Dave Ramsey or Racheal Cruz’s website and see all the stories. These people are just like you and me. They just didn’t give up. It takes time, yes, for sure. All things do. It takes 9 months to grow a baby and we accept that experience because at the end we know there will be a baby.

However, when we embark on a journey like paying off debt, starting a business, we don’t “know” if there will be a debt free scream or if there will be a thriving business at the end.

Here is what I want you to know:

  1. It will never work if you don’t try. No matter what your goal is.
  2. If you try and fail, pick yourself up, learn the lesson and get back in the game.
  3. Create a vision and keep working toward it.
  4. Get organized. Create a plan and stick to it, unless something changes. Then change the plan, not the goal.
  5. Be mindful of your time. It is easy to get caught in activates that are keeping you from your goal. Ask yourself: is this helping me or distracting me?
  6. Continue learning. The only way to get better at something is to keep learning and growing.
  7. Set small goals every day to achieve your larger goal. Small, consistent steps will keep you moving in a positive direction.

Don’t believe me?  

Let’s look at an example:

If you are striving to pay off $10,000 of credit card debt

  1. You have to start with a budget. Know what goes in, what goes out, where it goes and what can be put toward the good ol’ CC (credit card)
  2. Month one you slip up and don’t pay as much as you can, and you charge again on the CC. Whoops. But let that be the last time.
  3. Vision: Shoe shopping with cash.
  4. Create a plan that you can stick to. If putting every last dollar toward the budget seems like torture. Don’t do it. Allow for some fun money. It will take longer to pay off the debt, but going on a debt merry-go-round is no fun.
  5. Watch for distractions. Scrolling through social media and drooling over the latest swimwear? Searching on Amazing for the next gadget? Walking around Target endlessly? Cut out temptation and stop.
  6. Pick up a book. Find an inspiring podcast. Take up running. Do something productive with your time. Heck, maybe get a second job to earn extra income?
  7. Make your goals realistic. Rome wasn’t built in a day. With small consistent steps, you can reach your goal. I just know it.

No matter what your goals is, if it is paying off debt, looking for a new job, trying to meet your soulmate, you can do it. Just look around you, the evidence is there. If they can do it, you can do it.

I would love it if you would tell us what you are working toward. What are your goals, dreams, ambitions? We would love to hear from you. I will be waiting patiently on my computer. For real. I will be.

Always in your corner cheering you on!!

Your biggest fans!

With love,


Karen & Bill

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