MoneyMinding began while I was still managing millions of dollars in client investment funds at one of Canada’s largest brokerage houses. I didn’t know it at the time, but God was revealing to me secrets about why many of my wealthiest clients still struggled with financial stress and the fear of not having enough.

I had an opportunity to sell my successful practice to turn to teaching and writing. And I did – until I got wrapped up in a painful tax reassessment and railroaded into bankruptcy despite everything being ‘all good.’ Recovery from this experience is how a collection of financial exercises became a system. Using this system, my husband, Joe, and I were able to purchase a home in a ‘hot’ real estate market with no money down, bad credit and new, self-employed income.

I thought I knew a lot about money from my training and teaching until we had to learn the ‘street smart’ strategies to navigate the world of credit to realize our immediate goal at the time – recovery!

This process toward recovery involved 2 ‘risky’ activities: writing a very clear goal, and swallowing my pride to admit I ‘used to have a lot of money’ but didn’t anymore. It was then that I realized how the seemingly good advice of many well-intentioned financial advisors actually fed unbelief, doubt, and condemnation. Their advice to cut back and save more, made little sense when, as it was, we barely had anything to our names as.

You can’t manage money unless you first earn it. And to earn it fast, you have to do what ‘they’ do, not what they say.