What I really believe in…

Feb 05

I believe:

  1. People can change.
  2. A rut is a temporary place to get you to the next level.
  3. Spouses can work together as a team.
  4. It’s never too late.
  5. Urgency makes things happen.
  6. Opening up is healthy.
  7. Not making a decision is making a decision.
  8. Taking control takes guts.
  9. Knowing is half of the battle. The other half is doing.

and most importantly…

  1. You can nail this financial thing.

What do you believe?

Tell me in the comments below…

About The Author

Hi, I'm Avraham (pronounced Av-Rum.) I'm a reformed spender, financial coach, and the founder of Avraham Byers Financial (I'm better with money than coming up with company names.) In a funny and non-preachy way, I teach people how to take control of their finances without giving up their smoked butterscotch lattes.


  1. Sherry
    February 6, 2018 at 3:11 pm · Reply

    I enjoyed this comment and would encourage more like it.

  2. Beena
    February 6, 2018 at 3:32 pm · Reply

    The absolute truth !!

    So much wisdom !!

  3. Samantha
    February 6, 2018 at 3:36 pm · Reply

    #6 resonates with me. I’m a big fan of being open to my trusted circle of friends and family.

    I always feel that a load has been taken off my shoulders when I share my worries and concerns with them.

    If I kept things bottled up, I think that it would be too much to handle.

    Thank you for this short article!

    • Avraham Byers
      February 6, 2018 at 3:39 pm · Reply

      Samantha, thank you!

      I also feel like a “load has been taken off my shoulders” when I open up to my trusted circle too.


  4. Sherry
    February 6, 2018 at 4:34 pm · Reply

    This is filled with hope and encouragement.
    The only thing i would add is that you are not alone.
    Many of us have walked in your shoes.

    • Avraham Byers
      February 6, 2018 at 5:02 pm · Reply

      Good one Sherry! That should definitely be on the list. Let’s call it #11.

  5. Ira Smith
    February 6, 2018 at 4:39 pm · Reply

    Very thought provoking Avraham. The only thing I would add to point no. 7 is that you have to actually tell the person that not making the decision is actually deciding not to make that change. Then follow up with, “Is that what you really want to happen?”. I have found that procrastinators don’t realize that they have actually made a decision by not facing what may be unpleasant head on. Rather, they are just being an ostrich hoping somehow that it will go away.

    Yasher koach Avraham.

    • Avraham Byers
      February 6, 2018 at 5:07 pm · Reply

      Great feedback Ira. I like the follow-up question “Is that what you really want to happen?” To reframe it, maybe “let’s walk down the path together and see what happens if you ‘chose’ to not make a decision” would be impactual as well.

  6. Rochelle
    February 6, 2018 at 5:18 pm · Reply

    I liked it. I liked it a lot. In fact, I read it twice!

    • Avraham Byers
      February 6, 2018 at 5:39 pm · Reply

      Hey Rochelle! Thanks! Your comments always make me smile.

      🙂 🙂 🙂

  7. doreen
    February 6, 2018 at 5:59 pm · Reply

    this post = thumbs up! though, i like all your posts. i believe that changing things up is good. just like with a pinch/drop of hot/spicy sauce, sometimes short and sweet is all you need….

    • Avraham Byers
      February 6, 2018 at 6:27 pm · Reply

      I agree with you Doreen. I think I’ll write the “short and sweet” ones once and a while.

      BTW, “spicy” sounds interesting. Hmm…

  8. Nicholas Lee
    February 6, 2018 at 6:33 pm · Reply

    Avraham, I am new to your work and your website. I have downloaded your excellent book, Your Magic Number, which I greatly enjoyed. I liked the post very much – perfect length and content to make an impact. One extra thought I had is something I read the other day: “Awareness is the greatest agent of change.”
    By inviting people to connect with their finances and do a little work we create awareness and the change thing has a habit of looking after itself.
    Honesty compels me to own up to being a student of ‘financial coaching’ as a financial planner practising in the UK. I greatly admire what you do and and I am watching and learning.

    • Avraham Byers
      February 6, 2018 at 8:25 pm · Reply

      Nicholas, thank you so much for your thoughts and feedback.

      Your quote got me curious…

      What happens after “awareness?” What does that look like? Where’s the hard part we need to embrace? During awareness or on execution?

      I’m glad you’re in the community. Cheers!

      • Nicholas Lee
        February 8, 2018 at 12:11 pm · Reply

        Good question, thank you. It’s always in the execution isn’t it, the actual doing of it, the forming a new habit, doing something differently, enduring the discomfort of changing.
        My point is that we don’t even get to that point without motivation. Without motivation, we never give ourselves the chance to endure the hard part. And often, with guidance, it’s the awareness of what we are doing that creates the motivation. So once we are aware that we are spending 150 dollars a month on cups of coffee and we don’t have enough money to go on holiday, we have the motivation to consider a change.
        Thanks for your warmth.

        • Avraham Byers
          February 8, 2018 at 3:57 pm · Reply

          I loved how you framed that Nicholas.

          And you’re right; without awareness, you can’t even start.

  9. Avner polatsek
    February 6, 2018 at 9:08 pm · Reply

    You Rock, Avraham!

  10. Anita Goodman
    February 7, 2018 at 5:32 am · Reply

    The brevity and simplicity of your beliefs are perfect Avraham!
    Also never, never give up … a breakthrough could be right around the corner.

    • Avraham Byers
      February 7, 2018 at 5:59 am · Reply

      Anita, I love it! “Never, never give up … a breakthrough could be right around the corner.”

      Yup, that one needs to get on the list.

  11. Michele Melino
    February 7, 2018 at 3:43 pm · Reply

    All of these resonate with me, as well as those that have been suggested. As a teacher I have talked about many of these with my students as well. I like the brevity of the post, sometimes that’s all the time I have for reading! Lol

    • Avraham Byers
      February 7, 2018 at 4:05 pm · Reply

      If the teacher likes it, then I must be onto something here…

      Great to have you in the comments Michele!

  12. Art
    February 9, 2018 at 1:04 am · Reply

    Yes! Yes! Yes!

    • Avraham Byers
      February 9, 2018 at 1:22 am · Reply

      Art, thanks for the “yeses.”

      BTW, how do you write “yeses” properly? “Yes’?”

  13. Matthew
    February 9, 2018 at 1:18 am · Reply

    I’m a big fan of variety, long and short form writing; and these are worthwhile thoughts for a blog post. Thank you!

    • Avraham Byers
      February 9, 2018 at 1:21 am · Reply

      Thanks, Matthew. I’m going to take your advice and write a variety of long and short.

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