Time for some real-talk...

Along the way, you are going to run into difficulty - EXPECT IT!

It only takes one life-disaster to ruin an emergency fund - but remember that this is what it is there for. What would have happened if you didn't have one set up? Much worse right?

So don't get discouraged - reach out for support and cheerleading from the group.

Also think about the sorts of people who might not "get" why you are doing this. I call these people "neg-heads" or "muggles".

Often they are not showing support out of fear - you're shining a light on what they aren't good at necessarily and this is uncomfortable for them.

You need to be the light that guides the way - it's up to them if they follow.

So brainstorm in your journal what might cause a problem for you along the way so that you can be prepared.