I’ve had to go back to drawing board to figure out what to do in terms of retirement,.. it’s been frustrating and actually very scary. I came to Dollars and Sensibility basically looking for help, not knowing where to turn to or where to go. I was doing it all wrong. Not that I didn’t have the money or the . Dealing with Tom and with DS has been an absolute breath of fresh air … I’ve been encouraged and it’s been a completely refreshing experience where there is hope, there is an opportunity to dig out of there. D&S have been great, they’ve been able to give me the direction I need and give me the hope that I need. There’s no worse feeling than not knowing where you’re going to be going in life. I didn’t ever think I was in trouble. Just sitting and talking to Tom, they make complete sense, but they just didn’t ever occur to me. Be excited about the fact that they get to talk to somebody who knows … It’s all about going forward. Obviously there have been mistakes made…
Well before Dollars and Sensibility I think I’ve been in pretty good shape actually, I thought I was doing things right. I have made some pretty decent money, I’ve worked very hard. I own a cabinet shop and grew up in that cabinet shop and have learned how to work very hard and make some pretty decent money.
I’m kind hearted person and I have loaned some money and helped some people out that I learned through Dollars and Sensibility that it probably wasn’t the best of an idea. My kind heart has gotten in the way of some of my own financial success and has become a real challenge to me. I’ve had to go back to the drawing board to figure out what to do as for my retirement, my children’s education, and anything I wanted to do in the future because I have basically taken half of my life’s savings and given it away. It’s been really frustrating; it’s actually been very scary. Scary is a better word, I have a lot of fear. I really tried to get through this and just haven’t had answers for myself.
So I came to Dollars and Sensibility basically just looking for help not knowing who to turn to or where to go. Again, making those mistakes and not trusting myself thinking that I was doing things right and in reality I was doing it all wrong. Not that I didn’t have the money or the skills to make the money but I was literally giving it away and doing things I really shouldn’t have been doing.
Dealing with Tom and with Dollars and Sensibility has been an absolute breath of fresh air. I’m never made to feel like I’ve made mistakes or that I’m stupid. I’ve been encouraged and it’s been a completely refreshing experience where there is hope, there is an opportunity to dig out of this. There is a lot of hard work ahead. At least I have got somewhere; I know what I need to do. Tom and Dollars and Sensibility have been great. They’ve just been able to give me the direction that I need and hope that I need to help me to realize that there is a way I can get back in despite my poor decisions of my poor choices either. I’ve got hope.
You know there’s no worst feeling than not knowing where you’re going in life financially. We try not to make too much of a deal out of the almighty dollar in our life but it’s very important and it’s been very frustrating and very scary and very challenging to not know. The thing with me is I didn’t ever think I was in trouble really. I thought I was doing things right, and just sitting and talking to Tom to Dollars and Sensibility of the things that are taught. They make complete sense but they just didn’t ever occur to me. I thought what I was doing was right but I really was completely opposite but I never would have known that had someone not brought that to my attention and said this is all you have to do to change this and that’s some very simple things with huge impact on finances.
I would tell a person with full confidence to be excited about the fact that they get to talk to somebody who knows finances, who knows money. It’s not an opportunity to feel bad, there’s no feeling of “you made terrible choices and you’re an idiot”. That’s just not the feeling that Tom and Dollars and Sensibility portray, it’s all about going forward. Obviously there is mistakes made but it’s all about what can be done to fix and what can be done to better yourself in the future. It’s not all a negative thing. It’s all about being positive.
As a business owner there are so many uncertainties, there are so many things that you just don’t know and when it comes to finances it can be a very challenging thing to know what direction to go. The one thing that Tom and Dollars and Sensibility have done for me has given me a place where I can go and simply just ask questions. Whether they are dumb questions or good questions, it doesn’t matter. They are there to answer those. They can give me direction and help me know if in fact what I am doing and what I propose to do is a good idea or not. In today’s economy in today’s world there are so many uncertainties you just don’t know if what you decide to do is a good idea. They have given me the opportunity and resource to find answers to those questions.