When the light bulb turns on 

1. Situation awareness/cognizant that you have not taken care of the resources effectively.  

 a. Signs

b  you start to question

c  the breaking point

1. Problem identification

a. Things are not ok

b. Listing all my debt on paper 

c. Looking for help

1. Analysis/developing a plan 

 a. Being vulnerable to let someone see you

b. understanding financial literacy

c. Looking at a budget to climb out 

1. Developing a feasible process

a. You can eat an elephant one bite at a time but you have to start eating

b. trust yourself when people doubt you

c. patience and resilience 

1. Evaluation  

a.  mentally we need to see small gains

b.  Be fluid and make changes

c.  Fall and get up there will be some back sliding

1. your Why

a.  You will never stay the course with out a why

b.  Read your Why or goals often to stay focused

c   your why can change