Yes, it's true. I am NOT yet debt free. I'm still on my own money journey, just like you are. We still have some of my husband's student loans (a little under $20k), and $11k balance from when we had to replace our deck and shed in the summer of 2024, and our mortgage. But you know what? The difference from where we started in 2019 and now? INSANE. (We are talking $60k+ on credit cards, two car loans, a personal loan, plus waaayy more on those student loans and the mortgage. Plus, my husband and I were both working second jobs, just to make ends meet.) But this is exactly why I wanted to create The Empowered Money Circle. Because even though I LOVE budgeting and YNAB and teach this stuff, I'm not perfect either. It's so easy to look at highlight reels on social media and feel like you are alone with your money struggles. But YOU ARE NOT. We are all on a journey. (Yes, even me!) But we are all also at different parts of our journey. Instead of letting that hindering us, we can use it to our advantage! We can all help each other, motivate each other when things get hard (because they will), and lean in a celebrate the wins! And that's exactly what's happening inside The Empowered Money Circle. Yes, I've taken my signature coaching program and turned it into a course (which we will all start working through together on January 8th!), but the community is where the real magic happens. The community is REALLY what I'm most excited about. A place where we can all share and be vulnerable, but then learn and begin to THRIVE. Yesterday I shared my vision for you in 2026. Today, I'm sharing my story and my vision for this community because I truly believe this is going to be something great. Yes, I created it and am there to get things started, but I really want to build a safe space where it is 100% ok to share about money. The good. The bad. The ugly. And the triumphs. And yes, you can come and get support from me, but also from everyone else.