"Money is like love; it kills slowly and painfully the one who withholds it, and it enlivens the other who turns it upon his fellow man."

-Kahlil Gibran

Financial struggles can be a daunting and stressful experience for anyone. Whether it's due to unexpected expenses, job loss, or mounting debt, financial hardship can have a significant impact on your quality of life. It can lead to feelings of anxiety, depression, and helplessness as you try to navigate through the challenges of managing finances. Many people struggle to make ends meet and find themselves facing difficult choices such as cutting back on necessities or taking on additional jobs to make ends meet. However, it's important to remember that financial struggles are not insurmountable. With proper planning, budgeting, and support, steps can be taken to overcome these challenges and achieve financial stability.

Nelya Calev is in the studio with Chris and Sarah today. She's an author, realtor and investor, here to share her wonderful personal story and a wealth of financial advice.

You can find Nelya's book, Nothing Held Back, on Amazon.

You can connect with Nelya on LinkedIn.