Music Mondays – Living on a Prayer


Those who know me, know that Bon Jovi is literally my favorite band ever. I have loved them for 30+ years now. Since they have been around almost as long as I have and have been producing new music the entire time, they truly have provided the soundtrack to my life.

Despite the fact that I love all of their music, the song I love above all others is Livin’ on a Prayer.  Every time I hear it, I want to scream “OHHHHHHH WE’RE HALFWAY THERE!” at the top of my lungs.  This is not only a great song to listen to, but it provides a great analogy for how a number of us feel financially.  Many of us are literally living paycheck to paycheck.  We are living on a prayer. No matter how awesome this song is to sing, it is not awesome to live it as a reality.  If you can relate to this, then I challenge you to stop, take a deep breath, and look at your finances.  Find your problem areas and strategize on how to fix them.  If you can’t find the problems, then ask a friend (preferably a non-judgmental one) to look them over with you and find what you’re missing.  A change of perspective can be a great gift.  If you are too embarrassed to ask someone you know, then reach out to me, and I’ll help you sort it out.

The primary reason why I see clients living on a prayer is lack of focus and planning around their finances. I know we all lead busy lives, but when we don’t take the time to focus on our finances, we create more problems that will only compound with time. Schedule time at least once a month in your calendar to look into your finances in great detail. I am sure with this focus, you will find ways to save and improve your financial well being. Hopefully before you know it, you’ll be singing this song and not living it.

Enjoy this video straight out of 1986!!  LOVE the hair and tassels on the leather jacket!  Yes!!

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Shannon is a financial planner who left a “traditional” financial services firm to start her own company, The Financial Gym, because she felt traditional financial services firms did not have the tools or resources to help people in their 20s and 30s who are starting out and trying to build assets while also managing debt. She realized that the key to long-term personal financial success is a commitment to financial fitness and making smart financial choices. Through her blog, Financially Blonde, her book, Train Your Way To Financial Fitness, her podcast, Martinis and Your Money and The Financial Gym, Shannon is committed to making financial fitness fun, easy and accessible for everyone.

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