<center>https://jerrybanfield.com/wp-content/uploads/2019/12/image-47.png</center> <br/><h3>That's an awesome question Luther because I don't know what else to do. Actually, I just don't know how to quit, stop and give up and I've made a decision before that I will do my business. </h3>
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https://youtu.be/GjUSUnpItxg
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<p>I will do my business regardless of what else happens and will keep doing my business. This is important to go from $656K debt to financial freedom.</p>
<p>That is kind of a scary thing even thinking about quitting. I can't just drop what I'm doing and go somewhere else.<strong> I will do this as I love doing this and I will do it as long as I love to do it. </strong></p>
<p>It kind of drives me crazy sometimes as yet, I guess I love
being driven crazy. </p>
<p>I have so many people that love me and all the comments. All of this is how I keep failing and getting back up because there are so many people in my life that help me get back up. </p>
<img src="https://mk0jerrybanfiel0lpt6.kinstacdn.com/wp-content/uploads/2019/12/image-47-1030x579.png" alt="From $656K Debt to Financial Freedom — Episode #1" class="wp-image-42228"/>
<p>My wife helps me get back up my mother and my kids. Just this morning I was crying with my son and I don't even know what I was crying about. The people in my life helped me get back up over and over and over again. </p>
<p>If it was just me I wouldn't but I'm able to fail just
relentlessly because all the love and support I get from other people in my
life. So, all the love and support you're giving me here is a part of that and
I appreciate it. </p>
<h3>Berry Eakin: Student debt is absolutely brutal these days. </h3>
<p>It is. I only came out of undergraduate with $18,000 in
student loans. I wouldn't even have got through on $18,000 in student loans
like the first year. </p>
<p>$18,000 in student loans in college was enough to just have a resident advisor job and to have everything I needed and still when I was in college, I lived within my means. I just spent cash. </p>
<img src="https://mk0jerrybanfiel0lpt6.kinstacdn.com/wp-content/uploads/2019/12/image-48-1030x579.png" alt="From $656K Debt to Financial Freedom — Episode #1" class="wp-image-42229"/>
<p>That's when I started getting credit cards after college but then it's a snowball. </p>
<p>I'm doing this as a show where it's like a journal and I'm
just basically talking about what I'm thinking and what I'm going through
specifically related to the debt. </p>
<p>Thus, this is all about the debt and going from $656K debt to financial freedom and everything surrounding that. </p>
<p>I am avoiding giving any kind of advice because I trust, if you listen/read all of the stuff I ramble on and on about, I trust you'll find whatever you need out of that and it will pop up within you. </p>
<img src="https://mk0jerrybanfiel0lpt6.kinstacdn.com/wp-content/uploads/2019/12/image-49-1030x579.png" alt="" class="wp-image-42230"/>
<p>Some of the things I share are about a mindset. These are the mindsets I have that helped me feel peaceful with my situation. It helps me to remember that money is only as real as all of us make it. </p>
<p>In fact, I had a breakdown one day. I'm like, “<em><strong>That's it. I'm done with the money</strong></em>,<em><strong> I'm not using money anymore, I'm going to just close all my accounts a</strong></em><strong><em>nd</em></strong><em><strong> screw everybody I borrowed money from</strong></em>”. </p>
<p>I told my wife this too. We were out in front of our house. That
was the day I was trying to plan the 484k debt video. </p>
<p>I personally included the mortgage and all of my business and personal debt. I have $484k in debt and then my wife has $172k+ in student loans. Putting that together is the whole debt journey for both of us. </p>
<img src="https://mk0jerrybanfiel0lpt6.kinstacdn.com/wp-content/uploads/2019/12/image-50-1030x579.png" alt="" class="wp-image-42231"/>
<p>I've paid down like $50,000+ of my wife’s student loans over the years too as well as mine. </p>
<p>I had a breakdown one day pretty recently saying, “<em><strong>I'm not using money anymore</strong></em> <strong><em>as t</em></strong><em><strong>his is a stupid game that all of us are playing and I just refused to play</strong></em>”. </p>
<p>There was a homeless guy that I was talking to and I looked
at him like he's courageous. He refuses to play this game of money. He won't go
to work cuz he doesn't want to and he'll sleep wherever he can. </p>
<p>That's a man with courage. He refuses to play this game that
all of us feel like we have to play and I thought I'll be courageous too. I
just will stop playing this stupid money game. </p>
<p>Imagine, at some point in history, we didn't even have money. This is literally just a game we've created and playing. </p>
<img src="https://mk0jerrybanfiel0lpt6.kinstacdn.com/wp-content/uploads/2019/12/image-51-1030x579.png" alt="" class="wp-image-42232"/>
<p>What I came to the conclusion is that it's not best for me to help other people that I can do a lot more to help other people than by just basically acting homeless. This is important to go from $656K debt to financial freedom.</p>
<p>I have been so afraid of “<em><strong>What would happen when my debt got to the point I couldn't pay it?</strong></em>”. I mean, I've woke up in just terror. I've worked too hard and been in so much fear about what if I can't pay my debt. </p>
<p>The nice thing is thinking about not using money at all. By
comparison, it seems like not a big deal. Well, if I totally opted out of the
game of money, that would be a decision I made. </p>
<p>It’s like “<em>Nothing the world's going to do to me as far as money goes. This is as bad as what I could do to myself"</em>. </p>
<img src="https://mk0jerrybanfiel0lpt6.kinstacdn.com/wp-content/uploads/2019/12/image-52-1030x579.png" alt="" class="wp-image-42233"/>
<h3>Muthu Bhai: How do you repay your loans? </h3>
<p>Well, I take the minimum payments every single month and
right now, I'm focusing on doing new video courses. I'm going to film 2+ new
videos for my new TikTok course and that will be uploaded on Skillshare and StackCommerce.
</p>
<p>I'm going to make a new Udemy profile and upload it there. Maybe,
I'll put it on some other websites as well. </p>
<p>So, I'm intending to repay my loans through my work and services. I'm intending to do things that you will find helpful and other people will find helpful and that will, therefore, earn money in some way. </p>
<img src="https://mk0jerrybanfiel0lpt6.kinstacdn.com/wp-content/uploads/2019/12/image-53-1030x579.png" alt="" class="wp-image-42234"/>
<p>Maybe something like this debt series could get good ad revenue. I'm opening myself up to whatever opportunities the universe has in store. </p>
<p>I trust if you want to make sure not to miss these, you'll <a href="https://www.youtube.com/JerryBanfield?sub_confirmation=1" target="_blank" rel="noreferrer noopener" aria-label="subscribe to my YouTube channel (opens in a new tab)">subscribe to my YouTube channel</a> or <a href="https://facebook.com/jbanfield" target="_blank" rel="noreferrer noopener" aria-label="follow on Facebook (opens in a new tab)">follow on Facebook</a>. </p>
<p>You can go to <a href="https://jerrybanfield/podcast" target="_blank" rel="noreferrer noopener" aria-label=" (opens in a new tab)">jerrybanfield.com/podcast</a>. I'll be putting these up if you just want the audio versions of these. I like to listen to audiobooks when I'm walking my dog and my baby in the morning. </p>
<p>Listening to audiobooks is one of the things that makes driving something I'm passionate about. </p>
<a href="https://uthena.com/bundles/partner?ref=668a46" target="_blank" rel="noreferrer noopener"><img src="https://mk0jerrybanfiel0lpt6.kinstacdn.com/wp-content/uploads/2019/12/image-54-1030x579.png" alt="Join Jerry Banfield's Partner Program" class="wp-image-42235"/></a>
<p>I also have a Mastermind and my partner group at <a rel="noreferrer noopener" aria-label=" (opens in a new tab)" href="https://uthena.com/bundles/partner?ref=668a46" target="_blank">jerry.tips/partners</a>. I've got partners who teach online, especially on Udemy and often I'll get tips in my partner program. </p>
<p>For example, “Hey, this subject is really hot. I'll throw
out one for you right here. Adobe Creative Cloud classes are really hot. </p>
<p>Thus, even though I'm gutting my business expenses, I am
going to get an adobe cloud subscription for $50 a month and start making short
little online courses on those Adobe Creative Cloud apps. </p>
<p>I believe those will have a good shot single-handedly to earn a few thousand a months. </p>
<img src="https://mk0jerrybanfiel0lpt6.kinstacdn.com/wp-content/uploads/2019/12/image-55-1030x579.png" alt="From $656K Debt to Financial Freedom — Episode #1" class="wp-image-42236"/>
<p>Thank you very much for reading today. I love you. You are awesome. I'm so grateful you've made it all the way to the end of this or you hopped in. </p>
<p>There's a playlist on YouTube with all of these shows for
you in that particular playlist. So, if you just want to watch this series, I'll
put that in there. </p>
<p>I trust you will leave a like, follow, subscribe, come back and we'll do this again soon. Have a wonderful day and I'll see you for the next episode of going from $656K debt to financial freedom.</p>
<p>Love,<br><a href="https://jerrybanfield.com/" target="_blank" rel="noreferrer noopener" aria-label=" (opens in a new tab)">Jerry Banfield</a></p>
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