Tom shares a heartfelt message to contractors who may have found themselves financially strapped this Christmas. Reflecting on his own experiences, he provides actionable insights to help you break the cycle of holiday financial stress and start building a profitable, sustainable business that supports your family and future goals.

Episode Highlights:

• [00:00 ] - Tom reflects on stressful Christmases and how financial struggles impact family life.
• [01:25 ] - The sting of falling short and how reacting out of fear hinders long-term success.
• [02:52 ] - The vicious cycle of debt: working half the year just to break even.
• [04:18 ] - Changing your financial mindset and habits to create a “new normal.”
• [05:16 ] - Daily habits that compound into financial stress or success.
• [06:14 ] - The critical role of discipline in business and personal finances.
• [07:08 ] - "Don’t mess with the money" — Why money discipline is essential to stability.
• [07:53 ] - Free resources available: Tom’s book, YouTube channel, podcast, and Facebook group.
• [08:50 ] - The importance of being an implementer rather than just a consumer of information.
• [09:16 ] - Commit to never being in the same financial position again by making real changes.

Resources:

📘 Grab a free copy of Tom’s book, Winning the Contractor Fight (just pay shipping and handling): https://thecontractorfight.com/book/

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Mentioned in this episode:

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