I slept well last night.

These are words that I enjoy hearing. Unfortunately, they typically come because the client has told me that they have spent the last six months to three years not sleeping, and worrying about a debt or tax problem. The conversation occurs after we meet and adopt a smart strategy to solve the problem. The client is relieved and happy to learn that the problem was not nearly as “impossible” or the circumstance as “dire” as they believed. Then they say, “I wish I came in to see you a long time ago– had I done that, I could have saved a lot of sleepless nights.”

Every problem has a solution. I don’t want to say it’s always “simple,” but I can say, there is nothing to gain by waiting– and typically a lot to be gained by acting as quickly as possible. Losing sleep and allowing the stress to continue can lead to depression. These consequences are typically reversed as soon as you face the issue and find a solution you feel good about. Beyond that – when it comes to debt elimination, the sooner you eliminate the debt, the sooner you are able to begin saving money for retirement. I always say, if you’re paying $500 per month on your credit cards and you wait a year to address the problem– you’ve wasted $5,000– and that $5,000 will double every 10 years in savings. So in 20 years, you’ve wasted $20,000 by waiting that one year. Time is money, plain and simple.

If you have an issue– address it now. Don’t wait. That’s my advice. We have a FREE Seminar next Wednesday to address this precise point: “From Debt to Savings – All You Need to Do is Take Action” It’s Wednesday, August 2nd at 6 PM, and attendees get a free copy of my book Dump Your Debt… and the promise of solid sleep in the days and weeks to come! If you or a friend would like to attend, click the link below.

Have a great weekend – the forecast is a 10!