1. Stop waiting on money to magically appear.

What was that your mother used to say? Money doesn’t grow on trees? Yeah, well she may have been on to something. While yes, it IS paper and technically money is made out of paper, you yourself cannot water a money tree in your backward and pay your bills. You have to DO more. This means you have to take action and initiative to make money and grow your pockets because it will NOT magically appear.


2. Being busy and being productive are two different things.

Imagine you have an important assignment due at 5pm that will take approximately 4 hours of hardcore focus and you wake up at 7am to plan you day around completing this assignment. Instead of starting on it right away, you decide to make breakfast, cut your grass, do laundry, clean your room, call your mother and run to the grocery store. Now it’s 3 o’clock and you still haven’t started. Though some might argue you’ve had a productive day, really you had a busy day. Productivity requires working toward a goal. If your goal is to complete an assignment but all you’ve done is organize your life, unfortunately you day is not productive. This example applies to so many different situations in our lives that cause us to believe we are growing toward our goals when we are not. Also, it has to be said – having a job does not meaning you living productively if the job you have is not the job you want.

3. Believing you have an excuse is no excuse.

People who want something bad enough will make a way to get it. If the desire is not there, they will make excuses. There are too many people out here without arms, legs, education, cars or family making the decision every day to be more. You can be more too.

4. You do not need a corporate job that requires a college degree to validate you.

Social media and technology have proven you do not need a degree to make money. Nor do you need a degree to validate you. People love people and buy into your experiences. Not having a degree will never be a good excuse. Try again.

5. You cannot keep praying for God to provide while you sit at home watching Netflix.

Faith without works is dead, people! But you already knew that. This means stop praying for a miracle without actively going out to pursue one. Miracles happen everyday for those who are chasing them. I firmly believe that when we begin to live our lives productively, we give God permission to bless us abundantly. I am not sure about you but if you never get off the couch and you ONLY watch Netflix, how can you expect to live your best life?

6. Your friends and family are not an ATM.

Know the difference between a want and a need. You should not be asking your friends for money to have mindless fun when you do not have a job or prospects of any income coming your way. Reserve your financial requests for critical times that could literally break you if you don’t get help. This is not pride. Learning to overcome your struggle builds character.

7. Learn to say no to “fun”.

Having a good time with random people doing random things in random cities is not a necessity. Learn to say no to those moments. They will come back around. The worst feelings is being broke alone. Get your money up and then surround yourself with people who can help you keep it up.

8. Discover what you are interested in and then research your interest on Facebook.

There are too many resources available to you online to settle for being less than your ideal self. You just have to be willing to take a chance. Remember there are more people routing for you than speaking negatively about you. Don’t allow fear to stop you from living the life you want by pursuing something you are passionate about. Fear is the devil, lol. Don’t listen to it.

9. Use your free-time to your advantage. Every dull moment counts.

As a young adult, interestingly enough, life can be fun and boring at the same time. We spend so much of our time doing things we have to do when all we really want to do is to not have to do anything. However someone once stressed to me “Work now, play later” because those who play now usually spend the rest of their lives working much harder later. Also note that very few people can work hard and play hard at the same time, it’s just not that simple. Every moment of right now counts. What can you do today to change your tomorrow?

10. Start today.

You’ve got this! But if you need help figuring out your next step, let me know!