I have a bone to pick with you. I have been a loyal follower for years, have ALL the newsletters, and have just bought your book. I have read it and re-read it and now am more confused and frustrated than ever!
I am a stay-at-home mum. My husband is a self-employed tradie who relies HEAVILY on a $9,500 business overdraft. He earns between $45,000 and $55,000 after tax to ensure we can still get Centrelink ($10,000). His income is so sporadic that, when it does finally come in, it is gone on living expenses, suppliers and a bit of savings. Your steps can’t work for us.
Are you seriously happy living your life playing Centrelink limbo?
The problem with that game is that, even if you manage to earn as little as you can to get under the bar, you’re still … in limbo.
If your husband is earning only $45K a year as a tradie running his own show (with debt!), that’s the universe telling him it’s time to seek out a regular job and then focus on paying off his overdraft.
And another thing: a good tradie doesn’t blame his tools … my steps work, but they need the right materials: in your case, cash!