Is debt getting you down?

This week's question from my portal “The Neagle Code: Directions for Life” comes from someone who wishes to remain anonymous.

Neagle Code Question

Hi David,

I really, really desire a new car. But I also have credit card debt that I need to pay off. I hear your voice in my head telling me to act on my desire, but I also have a voice in my head telling me to pay off my debt FIRST. Am I thinking about this inaccurately?

Neagle Code Answer

Great question!

I think the real question here isn’t actually about where to spend your money; it’s a question of mindset.

You see, the lower and middle class mindset is steeped in the word “OR”.

They ask, “Should I do this OR should I do that?”

They see limitation and lack.

The wealthy think in terms of “AND”.

They ask:

“What would need to happen for me to do this AND that?”


“What would I need to do differently so that I could have this AND that?”

They see possibility and abundance.

I want to encourage you to think like the wealthy.

What are you resisting doing or being that would allow you to pay off your debts AND purchase the car?

TRUTH: You wouldn’t have the desire to do both
if the opportunity to make the money wasn’t also here.

That’s the question you must ask if you wish for your financial situation to change.

PS: The Neagle Code: Directions for Life is a weekly no-cost program that is open to everyone! Each week, I'll select and personally respond to one question that I feel in my heart will help the most people. (You may choose to remain anonymous if you wish, with our full support.) It is my deep, heartfelt intention that ~ in answering your questions ~ I may provide you with the Universal Truths that in committed application, will set you free. See the sidebar to ask your question today!




    • Thanks for the post Cynthia. Happy to be a source of inspiration and encouragement during these weekly Neagle Code’s. Share them around and pay it forward! Appreciate your kind words.

  1. I see children practicing the abundance mindset when it comes to having things that they want – especially for toys and chocolates and wonder when did we lose our ability to believe in possibility, David.

    The only time I know that the word ‘or’ has any good use is if we need to decide on a path that is painful but has a good result or choose to wallow in pain, especially health issues.

    • Thanks for the post Vatsala. You are right, kids have no problem with abundance because their minds are more open and they aren’t yet corrupted by outside thinking. They want what they want, and don’t care what anyone else says or thinks about it. As adults, if we could practice that type of mindset daily just imagine what one could manifest in their life. To answer your question, we lose our ability to believe in possibility when we waver in faith and don’t accept responsibility for what we’ve created. Remember, you are responsible for all the good and all the bad. Own it, accept it, and do everything in your power to change your results.