Hi! I'm Rachael.
The struggle is real. All of us have it, someway, somehow and it rears its ugly head in at the worst possible times…. When you need some time away from it!
My personal struggle, that really landed me here, was that tick bite when I was 23. I would have never guessed the rollercoaster ride it would set me on for a large part of my adult life. The amount of medical bills I would accrue, since health insurance wouldn’t cover it, time and time again. The bills would go up, my credit would go down and the repetitive spiral lifestyle began. Make a ton of money; buy a house; get sick; spiral into debt…START ALL OVER.
I am a single mom of two kids who would, and will still, watch me struggle with this heath crisis. Thank goodness, they had no clue of the financial turmoil I was going through, as well.
I had a great job in the automotive industry and would talk to people every day that had sub-par credit. I did too from the tens of thousands of dollars that accumulated each year. In debt to the medical bills, then pay them off with 401k loans…. Yep, that’s right. I would eventually borrow from my retirement (401K) accounts to pay everything off, not knowing I had other options early on. I always knew my client had options and would tell them what they could do and let them know if they waited for 2, 4, 6 maybe 8 months after fixing what I said, they could get the car they wanted with a way better payment. They could take care of their credit issues with just a letter and they weren’t making horrible loan decisions to pay off huge medical bills.
This is what led me to the financial advisor part of my life in 2016. I was down sick, again, for 7 months and thought ‘I can’t keep doing this. I work 80 hours a week, for someone else, and then get sick and my retirement money is used up all over again’.
I decided to get my Life & Health Insurance Licenses. I could work at my own pace and help people, like I had been, who didn’t know their options financially. It was great! I met the best people, but I saw that almost every one of them had some sort of credit issue or another. I could tell them what they needed to do, but I couldn’t do it for them. That would be a complete PITA and I didn’t have the time, resources or complete knowledge, yet.
Over the past 2 years, with COVID scaring everyone with its horrible reputation for all bad things to come, so many more people saw the value in the things I could completely help them with: Protecting Their Loved Ones When They Pass, Tax Free Retirement and Fixing Their Credit!
Not everyone sees a value in the first two, crazy enough, but you can bet everyone knows they need good credit! If you have even 1 thing on your credit report that can be fixed, let me help you fix it! Take control of what is controllable and let me do all the hard work for you!
A Free Credit Audit never hurt anyone!