Troy Holt – Save Your Money Reserves During Financial Hardships

<p><strong>BIO:</strong> Troy Holt is a financial educator, an independent coach, speaker, trainer, author, and podcast host. He is also the CEO (Chief Encouragement Officer) of Troy Holt Consulting.</p><p><strong>STORY: </strong>In 2014, Troy decided to quit a job that he no longer enjoyed and got another one that paid him a small salary and a commission. The money he was making could barely sustain his lifestyle. Instead of making lifestyle changes, he used money he’d received after his mom died as his fallback plan.</p><p><strong>LEARNING:</strong> If money is tight, cut down your costs to a bare minimum. Put your trust in your family and friends, not money.</p><p>&nbsp;</p><p class="ql-align-center"><strong>“Make money your tool and not your master.”</strong></p><p class="ql-align-center">Troy Holt</p><p>&nbsp;</p><h2><strong>Guest profile</strong></h2><p><a href="https://www.linkedin.com/in/troydholt/" rel="noopener noreferrer" target="_blank"><strong>Troy Holt</strong></a>’s more than 20 years of experience as a sales and account executive has led to his success in the areas of business growth, development, and financial planning.</p><p>As an innovative leader and effective communicator, Troy’s success is grounded in his impeccable work ethic and drive. Troy’s expertise allows him to work as both a financial educator and as an independent coach, speaker, and trainer.</p><p>Troy is a co-author of an Amazon best-selling book and is the host of the<a href="https://anchor.fm/troy-holt" rel="noopener noreferrer" target="_blank"> Troy Talks podcast</a>. He serves as the CEO (Chief Encouragement Officer) of his<a href="https://howmoneyworks.com/troyholt" rel="noopener noreferrer" target="_blank"> Troy Holt Consulting company</a>.</p><h2><strong>Worst investment ever</strong></h2><p>Troy worked at a retail store as a sales rep when his mom died suddenly in April of 2014. At the time, Troy had worked this job for 11 years, but suddenly every day he came to work, he would feel pressured and did not want to be at work