When the light bulb turns on Situation awareness/cognizant that you have not taken care of the resources effectively.   a. Signsb  you start to questionc  the breaking pointProblem identificationa. Things are not okb. Listing all my debt on paper c. Looking for helpAnalysis/developing a plan  a. Being vulnerable to let someone see youb. understanding financial literacyc. Looking at a budget to climb out Developing a feasible processa. You can eat an elephant one bite at a time but you have to start eatingb. trust yourself when people doubt youc. patience and resilience Evaluation  a.  mentally we need to see small gainsb.  Be fluid and make changesc.  Fall and get up there will be some back slidingyour Whya.  You will never stay the course with out a whyb.  Read your Why or goals often to stay focusedc   your why can change

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