Dear Reader, You don’t need to go into debt to protect your motivation. I say this with love and with experience—because I’ve seen what happens when people let fear of “losing momentum” drive their financial decisions. Recently, a client of mine felt an incredible surge of motivation after making progress on her finances. For the first time in a long time, she felt focused, energized, and ready to keep working on growing her business. But instead of letting that momentum build in a grounded...