We are a nation at war, but you might be shocked when you find out the enemy is actually us. Yes, we would go and whine about the rise of the media enticing us with everything from diamond necklaces to flashy new cars. However, we still have the power to resist those things. We have the power to resist social pressure. But when you feel lost and confused and everyone seems to be having fun, you naturally might want to follow suit.

Resist, friends. Resist and resist hard. That type of thinking leads to a lot of spending, which leads to a lot of debt, which naturally leads to a lot of regret and shame. It’s better to actually make sure that you’re doing everything you can to follow a more righteous path – the path of the conscious spender, the path of the conscious saver, the path of someone that knows exactly where they’re going without even having to look at the map. Why? Because the roadmap is in their hearts, minds, and souls. When you believe in something that deeply, there’s nothing stopping you from making big things happen. So where are you going to go from here? You’re going to create your financial philosophy.

You see, we have a roadmap of our very own, but it’s customized to fit our situation. You might want different things, and we don’t fault you for that at all. You just need to make sure that you can pull off your hopes and dreams. Having a blueprint is nice when it comes time to add someone new to your life. You can openly discuss your thoughts about the future with confidence, knowing that even if things don’t work out — your financial future is secure.

Have you ever looked at someone in public that seems to be so carefree, even when the market is uncertain? You can probably bet the farm that this is someone that has their financial blueprint and they know without a doubt where they are going. You will gain that type of confidence too.

Speaking of social conditioning, you shouldn’t be surprised if your friends suddenly get a little chilly knowing that you’re trying to do something special with your life. You will be shocked at how many people tell you that you’re paranoid, or you’re overthinking things. These will most likely be the same people that watch their entire lives change because they have no emergency fund, and no other savings to speak of.

You might get told that credit cards can fill in for an emergency fund. While you’re trying to build an emergency fund, you can make some purchases on a credit card. However, there are a few problems with the credit cards as emergency fund deal. For one, you’re paying through the nose for that special little privilege – a credit card is essentially a revolving loan, a debt that you will have to pay back over and over again. That’s throwing good money after bad and paying big bucks just for the privilege. Yes, it’s going to take more time to build your emergency fund but the truth is that once you have it, the money is 100% yours to do with as you see fit. If you turn to credit cards, you’re not going to have more earning power — you’re actually going to have less earning power. You’re actually going to be at the point where you don’t your finances as well as you like because it always feels like you owe someone something.

Break out of the cycle by opting out before you even get too deep into it. Break out of the cycle by choosing right here and right now to do more with your life than be yet another spender without even realizing what you’re spending money on. The credit card companies have plenty of other people that they can take advantage of.

Now, you might assume that we’re anti-credit there, and that’s not the case at all. We just want people to realize that there is a life outside of credit cards, that there is a life outside of debt.

Building your philosophy on finance, debt, and spending is important if you’re really thinking about a family. One of the most troubling things about our culture is that we really don’t spend enough time teaching children the importance of a great financial history. We don’t teach them how to budget or even how to save money — most teenagers pick up our habits, so if our money habits aren’t good, what type of future do you think they’re going to have?

Overall, these are just some points that you will want to think of as you start building a financial philosophy and blueprint that you can be proud of — why not get started today?