Motivations for Change

by Kevin on June 13, 2013

I can’t make you change.

Dave Ramsey can’t make you change.

Your Mom can’t make you change. And she brought you into this world!

Neither can your significant other, your brother, or your boss.

These people hold great influence in your life, but they can’t make change happen for you.


If you get your motivation to change anything in your life from anywhere outside of you, then ultimately it is going to fail. The desire for change, that driving motivation, must come from deep within you.

Why Do You Want to Change?

I write about personal finance. A lot. All over the internet.

I try to share insight, tidbits, tips, and strategies that readers can take and apply to their own lives. Showing someone how to open a Roth IRA could literally change their family’s financial tree. Encouraging someone to cut back so they can pay down their debt faster might help them live a more fulfilling life.

Getting a note back that something you wrote helped someone make a better decision or improve their situation… there is nothing like that feeling.

That having been said, nothing that I write truly matters if it isn’t applied. And I can’t force anyone to apply my genius to their lives.

I can stand at the top of the mountain and scream for everyone to build up an emergency fund, think about their futures, and to start saving for retirement.

But it doesn’t matter if they don’t want to change.

I can sit down with a co-worker and pour over their bills line by line, showing them places they can save or decisions that cost them dearly.

But it doesn’t matter if they don’t want to change.

I can facilitate a Dave Ramsey group and talk at length about the benefits of finishing all the baby steps.

But it doesn’t matter if they don’t want to change.

So, do you really want to change? Is that why you seek out articles, blogs, and podcasts about personal finance? (Surely it isn’t for the entertainment!)

If so, I have good news.

Personal Finance Change is Possible

No matter your current financial situation there is a way out. If you are up to your eyeballs in debt, there is a way out. If you don’t know where you spent your last paycheck, there is a way out.

Changing personal finance habits is entirely possible. I’ve seen people do it. They might have needed a little nudge of encouragement every once in a while, but the drive inside them to change their life helped them reach their goal.

It’s somewhat odd to me that we have “reality” TV shows about fat people losing tons of weight, but we don’t have any shows about indebted people “losing” lots of debt.

The similarities between physical health and fiscal health are striking:

  • both are really important in your life
  • if either goes poorly in your life it can impact every other facet of your life
  • changing either isn’t easy, but possible
  • changing either requires a lot of dedication and willpower
  • changing either is worth it

You have to want it. You have to have a deep desire to make significant change happen in any area of your life.

But it is worth it. Imagine not having to live paycheck to paycheck, constantly in fear of losing your job or another money emergency. Imagine being able to replace the HVAC unit with cash when it goes bad. Imagine being able to fund your kids’ education and your retirement at the same time.

These are all worthwhile goals. They might seem far off, but if you look… they could be right around the corner.

Make it happen.

{ 1 comment }

kiko @ quickcashautoloans July 3, 2013 at 7:46 pm

To change the subject a little bit, I recently took it upon myself to change my eating habits and become a healthier person. This was not because anybody made me change, it was because I took it upon myself to change.

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