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Three Steps My Husband and I Took to Change Our Financial Destiny

Photo by: Shoot Happens Photography - www.shoothappensphotography.com When we met, my husband and I made a decision that we wouldn’t settle for anything less than the best, but we feel short in one major area: finance. We made a commitment to strive to be our best selves emotionally, physically, professionally, and in our community, yet somehow with all this striving to be our best self we overlooked being our best financially. We had a high debt-to-income ratio, insufficient savings, and no investments or life insurance outside of our work issued policies and retirement accounts. We weren’t prepared for any emergencies and we certainly had no plan for financing major future goals like reti

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