How to Break the Debt Cycle

This week's question from my portal “The Neagle Code: Directions
for Life”
comes from Mikki.

Neagle                 Code Question


Hi David,

I have been listening to your Art of Success Business School Podcast and realized a $ pattern I have perpetuated my entire adult life. The pattern has been to invest in school, and now my business, which creates debt. That in turn creates pressure to work to eliminate this debt, which I always have, only to turn around a repeat the same pattern. My question is now that I can clearly see this pattern how do I get to the root cause of it. I know it has nothing to do with the money or the debt but whatever belief or value is attached to the pressure that comes with this cycle.

Neagle                                               Code Answer

Hi Mikki, and thanks for your question!


Here’s the thing…getting to the root cause isn’t necessarily going to solve the problem, and it will just distract you from doing what’s necessary to change the pattern.

Sometimes it takes awhile to get to a root cause, and it’s even more difficult if you’re trying to do it yourself.


What I suggest is to start focusing on the solution to the issue rather than on the cause (which just keeps you in the pattern).


The solution is to RAISE YOUR BOTTOMLINE.

Right now, you’re used to only bringing in “just enough”. You have to raise that bottom bar.

For example, instead of setting your sights on just bringing in enough to survive, increase that to 10%, 20%, 30% ABOVE what you need to just get by.

And then DO NOT LET YOURSELF off the hook.

You see, it’s a two-part process. The first part is making the decision to bring in more than enough, the second part is being willing to do whatever it takes to make sure you hit that goal.

You may want to start with a small increase to begin to build that muscle, and once you hit that goal, use that momentum to keep going to the next goal.

You’ll have to keep those commitments to yourself or this won’t work. You must not stop prior to hitting the goal.

If you do, you’ll be back in the same pattern.

Give yourself this new experience of bringing in more than enough, and you’ll break the pattern!

Just Believe,®
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2 comments

  1. Wow–talk about perfect timing (gotta love the Universe)! I am struggling with this exact same issue, and have been ever since I graduated from college decades ago. I love your answer, David. Not that I haven’t heard your message before–I just need it to really sink in. Many thanks for all you do.

    • Thanks Mary Anne. I’m sure you have heard it many times, it’s just that now you were ready to take it in and listen. Good for you! I appreciate the post.

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