Financial Freedom Podcast Episode 99Many Americans are living paycheck to paycheck, struggling to make ends meet, and having no plans, or hope for the future. Their only goal is to make it to the next payday, so they can pay the next bill. But unless something changes for them, they will never achieve financial freedom.

Which is why in this episode of the podcast I talk about the steps you need to take to break the cycle, pay down debt, plan for unexpected expenses, and be able to dream about the future.

In this episode you will learn about:

  • Cutting back in spending and increasing income
  • Breaking out of the debt cycle
  • Developing delayed gratification on non-essential purchases
  • Creating an emergency fund against unexpected expenses


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Steven J. Richardson
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Bankruptcy, Collections, Student Loan, DUI and Traffic Court attorney in Woodbury, NJ.