“Most people spend more time planning their vacations than they do their financial future.” – Marc Militello
Before the Financial Fitness Program, Kyle and Nettie Embry were stressed out and exhausted. They were always worrying about how they were going to pay their bills while living paycheck to paycheck (sometimes struggling to even make that work). Kyle was working two full-time jobs, one of them being a self-employed farmer with business debt, along with two part-time jobs. Nettie had just opened up her own self-employed business, which accrued a large debt load just to get it started, and required a lot of working hours as well. With student loan debt, consumer debt, vehicle debt, agricultural debt, and business debt, there seemed to be no hope.
“Our 2 small children were such a blessing but we rarely had any time together as a family.”
To fill a void and feeling the need to “keep up with the Jones,” Nettie used credit cards to make unnecessary purchases. When they did have time, they spent a lot of money entertaining themselves just try to escape the reality they were in. This made their financial problems even worse.
“The lack of time spent together took a huge toll on our marriage and we were contemplating divorce. At one point, Kyle remembers only having 2 fifty cent pieces to use for grocery money to feed his family. Depressed and looking for answers, a friend approached them about some financial information.“
Nettie was approached first and was extremely skeptical to even look at the information. In fact, it took her over a year to finally listen to what their friend had to say. After they finally sat down with the information, started listening to the audios, and reading, they realized how backwards they were and how almost everything they knew about finances was completely wrong.
“Although it was tough to change the thinking process that we had all of our lives, being around an association of successful people and the information from the Financial Fitness Program helped us stay on course.”
The first few victories were small, and to the outside world they looked like they were going backwards. They each sold off both of their newer automobiles that had payments and bought used vehicles with cash. Then they were able to take that money and invest in themselves and pay off more debt. Within the first 2 years, they paid off over $30,000 in credit card debt and eliminated those cards completely.
“Because we aligned our priorities and got some debt paid off, we were able to spend more time together and repair our broken marriage. We established a budget together for the year and even though it was sometimes a struggle to follow, the small victories kept coming as we stayed disciplined.”
With the death of Kyle’s father, new financial stumbling blocks were placed in their path. But with the help and support of amazing friends and mentors, it made going through the challenges a little easier to bear. Soon Nettie was able to cut back her hours at work to be able to spend more time with their children. Kyle and Nettie also realized that they wanted to be the biggest influence in their children’s lives, so they pulled them out of public school and Nettie started homeschooling them. Kyle was able to cut back his hours as well so he, too, could spend more time with his wife and children.
“Even though we are not completely out of the Financial Matrix yet, we have now eliminated almost $400,000.00 in business and consumer debt!”
Kyle only works one full-time and one part-time job and Nettie works one day a week outside of the home and still homeschools their children. They are on track to have their business debt, farm debt, and their mortgage paid off within the next two years.
Lynn Burns says
I love to hear these stories of how the Financial Fitness Program is helping people reclaim their lives and escape the Financial Matrix!! Way to go!!
Brandon J Perry says
What an amazing testimony. Great job you guys.
Jeni Swedberg says
Hey, guys! This is fantastic! Persistence pays off. The easy to follow system that has been out together works, as long as we work it. Keep up the good work!
Yitz Weiss says
Way to go! That’s awesome and incredibly inspiring. Keep up the good work!
Phillip Kuntze says
You four are truly a testament to what this information and Community can do in your lives! It’s so cool to have a front row seat to watch the transformation happen. The example you’re setting for your children and their kids is immeasurable!
With the grace and patience you all have, anyone who comes in contact with you has the same chance to transform their lives just as you did. Keep it up you guys!
Kelli Sager says
Great job Kyle & Nettie ! This is an inspiring article and a great accomplishment ! Farmers are the hardest workers out there, and nowadays seem to struggle the most. We know this testimony will bless so many lives !
Scott Hosie says
What an amazing and inspiring story! Thank you for sharing!
Teesa Rossman says
Congrats guys! Such an amazing success story!
Kari says
What a great couple and family that I get the opportunity to learn from! So happy for your accomplishments thus far, knowing how far you can go yet!
Nathan Taylor says
Great Job guys, such a fantastic testimony to follow the green box program.
Kevin says
Great job Kyle and Nettie! Thanks for sharing your inspiring story!
April Crawford says
Wow Nettie. I had no idea of your struggles. Great job….for you….for your kids…for your future. Most people would let pressure like that get the best of them. Congratulations on your new beginning….
Linda Medrano says
Congratulation Kyle, Nettie and family. I am very happy to say I know this great couple. I admire the hard work and determination that was required to apply the principals from the “Green Box”. Now on to the Life You’ve Always Wanted! Good Luck!
Andy Kosowski says
A great story, thanks for sharing. Looking forward to the day when you have all your debt paid off.
Lon and Jill Weberg says
Fired up you guys, it has been a pleasure for me to work with you and watch you grow and live the life you always wanted.