Hebrews 12:11 Newsletter

Good morning Reader,

Happy payday! Before you start moving money around, let me share something that's been 4.5 years in the making.

Earlier this year, my husband and I hit a milestone in our financial freedom journey — 24 debts paid off, over $21,000 gone. We're not at the finish line yet, but we've come a long way from where we started.

Here's what mattered most about how we did it: it was never "his debt" or "my debt." Even though we each brought our own share into the marriage, we made one decision early on — we were going to work on it together.

I'll be honest, there was shame on both sides. Neither of us loved admitting where we'd been. But getting it all out in the open from the start is what made it possible to face together. The longer you wait to share the truth with your spouse, the harder it gets to navigate — but it's never impossible.

This payday, here's how to get on the same page:

1. Pull your credit reports — both of you, no exceptions.
2. Share them with each other — all of it, no partial truth.
3. Forgive them, and forgive yourself too — don't hold today's number against them (or against you) for your next conversation about money. The past is over. You're moving forward now. (Matthew 18:21-22 — seventy times seven, remember?)

That third one is the one people skip, and it's the one that makes or breaks it. You can have all the right numbers and still fall apart if grace isn't part of the plan.

If you're ready to stop carrying this alone and want a real plan to get on the same page with your spouse, book a 30-minute strategy session for $47 — not just a budget, but an actual path forward together. No pressure, no sales pitch. Just a focused conversation about where you are and where you want to go.

Talk to you soon!

-Latrisa