I understand how debt can drag you down and make you feel as if there is no hope. I’ve been there myself. I have the t-shirt.

But what I learned along the way is reality is a lot different than our perception. The truth is we always have a second chance to have a better life. Every waking moment to come gives us a new opportunity to make different choices that will lead to a better financial future.

It might take a lot of those moments strung together to radically chance your path but good things come to those who persevere.