I recently read several articles about well-known people who are deeply in debt—Rudy Giuliani, Kevin Spacey, and others who owe millions of dollars. It made me ask this question:
What is the difference between a man who is homeless and a man who lives in a mansion but is millions in debt?
At first glance, the answer seems obvious. One was able to secure money from a bank or mortgage company to buy a home, and the other was not. But the similarity is far more important: both ended up in financial situations where they could no longer meet their obligations. One can’t pay rent; the other can’t pay the mortgage. Today, many people are living under this same strain of debt.
I believe the root cause in both cases is spiritual.
Whether the debt was created by their own decisions or imposed by circumstances beyond their control, the issue goes deeper than numbers. It touches the soul—a part of us that is often neglected because it can’t be seen or easily measured.
The way I measure the health of the soul is through three markers: love, health, and wealth.
How are your relationships doing?
How is your health on a daily basis?
How are your finances progressing year to year?
These core areas reveal how well your soul is truly doing.
Getting out of debt isn’t just about budgeting spreadsheets or financial tactics—though those matter. The most effective way to break free is to work on your soul while applying best practices to clear debt. That means increasing cash flow, reducing unnecessary spending, and creating new streams of income—but doing so from a place of clarity, alignment, and purpose.
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