How do you create the life you want? Is it really about doing these affirmations, vision boards, or even prayers?  What is it?  How can some people enjoy Tuesday afternoon brunches on sunny patios discussing how to give away money to charity?  How can  other people work hard every day and live in the endless cycle of debt and never catching up?  How is it that others seem to be doing just fine in life traveling, enjoying fine dining and concerts while some are just happy to see that their accounts aren’t overdrawn this month.  Is there a secret? There has

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