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How do I break out of the cycle of debt?


This week’s question from my portal “The Neagle Code: Directions for Life” comes from someone who wishes to remain anonymous.

Neagle Code Question

Hi David,

I have been listening to your Art of Success Business School podcast (which is amazing) and realized a pattern I have perpetuated my entire adult life. The pattern has been to invest in school, and now my business, which creates debt. That in turn creates pressure to work to eliminate the debt, which I always have, only to turn around and repeat the same pattern. My question is now that I can clearly see this pattern, how do I get to the root cause of it?

Neagle Code Answer

Hi, and thanks for your question!

Here’s the thing…getting to the root cause isn’t necessarily going to solve the problem, and it will just distract you from doing what’s necessary to change the pattern.

Sometimes it takes a while to get to a root cause, and it’s even more difficult if you’re trying to do it yourself.

What I suggest is to start focusing on the solution to the issue rather than on the cause (which just keeps you in the pattern).

The solution is to

Right now, you’re used to only bringing in “just enough”. You have to raise that bottom bar.

For example, instead of setting your sights on just bringing in enough to survive, increase that to 10%, 20%, 30% ABOVE what you need to just get by.

And then DO NOT LET YOURSELF off the hook.

You see, it’s a two-part process. The first part is making the decision to bring in more than enough, the second part is being willing to do whatever it takes to make sure you hit that goal.

You may want to start with a small increase to begin to build that muscle, and once you hit that goal, use that momentum to keep going to the next goal.

You’ll have to keep those commitments to yourself or this won’t work. You must not stop prior to hitting the goal.

If you do, you’ll be back in the same pattern.

Give yourself this new experience of bringing in more than enough, and you’ll break the pattern!

If anyone else is interested in my Art of Success Business School, click here for free access:



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