If you are going to spend time working hard for it

spend some time taking care of it.

Don't ever take for granted the ability to earn an income.

NFL Lesson: Learning the Hard Way
A former running back hits the nail on the head
May 10, 2012 | WRITTEN BY CHRIS RUSSELL

NFL draft busts. When most of us hear those words, we think of too many punch lines and not enough plays.

Rashaan Salaam is a case in point.

When Salaam entered the NFL, he had everything going for him. He was an all-everything running back at the University of Colorado. He won the Heisman trophy in 1994. The Chicago Bears selected him in the first round of the 1995 draft. But after a solid rookie season, his numbers dropped. Significantly. He was out of the league by 2000.

He has since found work at a camp in San Diego that mentors kids, so things are looking up for him. When asked why the NFL didn't work out in a recent interview, Salaam made a great point about focus. He had this to say:

"I didn't realize coming up how much work you had to put in once you got to the NFL. It's a whole different lifestyle. You have to change the way you live. You have to change who you hang out with. You have to totally get focused on your game. You have the athletic ability, but if you don't put the work behind it, nothing will come from it."

That's a great way to illustrate how committed you must be in order to get out of debt. It's not just eating out less or only using your credit card once every couple of months. You have to change the way you live. You have to get totally focused on your game.

On top of that, having a great income is a lot like having athletic ability. If you don't put it to work, nothing will come from it. Your money situation works as well as you do.

Don't just make a budget–commit to it. Stop hanging out with American Express and Sallie Mae. Change your whole mindset regarding debt. That dramatic shift will have equally dramatic–and equally rewarding–results.

No debt. Lots of money. Financial peace.

Once you've made it, treat yourself. Maybe go to an NFL game.
 
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