You are the “Phoenix.” Dwelling on past financial mistakes is weighing you down. It’s time to forgive yourself and focus on the present and future. Learn from your past, but don’t let it define you – OR your relationships. By embracing a positive mindset and making informed decisions, you can rise above guilt, transforming it into motivation for a brighter, stronger, healthier tomorrow.
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Next Step:
Write a letter about the mistakes you’ve made that you’re still carrying around. You might want to address the letter to yourself, your kids, or your spouse. Apologize for where you messed up, and ask for forgiveness. It’s up to you whether you send it!
Resources:
Recommended Books:
- Own Your Past Change Your Future: A Not-So-Complicated Approach to Relationships, Mental Health & Wellness by Dr. John Delony
Need Help Getting Started?

Hi, I’m Joy, your financial coach! I know what it’s like to feel stressed because of money, to feel trapped in a situation and like you can’t get out. I know what it’s like to feel like everything you try just isn’t working. And I also know what it’s like to live a life of financial freedom. I paid off $106,000 in debt, and I’m never going back! Now it’s your turn; you CAN take ownership of your finances and your family’s future. You can do this; I’ll show you how.