The Neighborhood Association Corporation of America is hands down the reason my husband and I are homeowners AND not house pour. They are an amazing non-profit that makes homeownership attainable for anyone; and I want you know all about it. Some highlights: NO down payment, NO PMI, NO closing costs, NOT only for first time home-owners.

"Many have heard of the idea of 'six degrees of separation' but anyone who works in hospitality knows, it's more like two degrees (if that). And while that can be annoying at times feeling like you can’t escape certain people or circles, it also feels like you get to be in the biggest, coolest network of interesting and talented humans there are."

This was a huge help for me when I first started trying to make real change in my lifestyle. Just like tracking your spending to ensure accuracy, you have to occasionally audit how you spend your time; then you'll know where to start making habit switches to reach your goals. To hear my first-hand experience listen to EP 001