Last night I interviewed a couple who would like to partner with us in business. This couple reminded me of where Jay and I were just 7 years ago. A few minutes into the conversation we realized they were DESPERATE to make their home business work just like we were years ago. Why? Because they were literally drowning in debt and were robbed of quality time and freedom in their lives. They were slaves to a JOB and working. Like us they felt they had no choice but to do what they were doing all along just becoming more and more DESPERATE to find a way out of the pit of poverty.

On the outside Desperate Diane and David (we will call them) are living the American Dream. Living in a great neighborhood, in a beautiful $200,000 home, their kids are going to the best schools, and David the main earner in the family has a DREAM JOB earning over 6 figures a year. But look a little closer and you will find so much stress, tension and despair. David commutes 2 hours a day and most nights doesn’t get home until after 8 pm. His health has suffered and recently he had a minor car accident because he fell asleep at the wheel coming home from work.

Diane is an amazing wife and mother who cares for their home and family mostly by herself. She works a seasonal job earning an extra $2000 a month. She will work 30 hours a week during the kids’ school time and sleep time. She loves the work but it’s grueling as she sacrifices her sleep and sanity. This is what she said about the extra weekly paycheck she gets during her seasonal job. “Its like a million dollars to us. It gives us room to breathe a little and takes the stress off of our finances and keeps us from using our credit cards for groceries and day to day expenses.” Do you know that feeling?  Do you know what it’s like to have to use your credit card to pay for day to day expenses?

They have $25,000 dollars in credit card debt, plus they have Student Loans, Car Loans, Medical Debt, and a Mortgage. Even though they earn great money they spend everything and then some every month. WHY? Because they are in POVERTY. See Poverty isn’t just for those earning under the Poverty Line. It’s a label for anyone who uses all the money they earn every month.

Is that blowing your brain? Maybe you are thinking how can you call me poor, I earn more than $60,000 a year. I can call you poor if you are spending all the money you earn in a year and then some.

Let me share our story of poverty with you.

This past year our home business parent company gave my husband and I a surprise letter at our company convention to be backstage at a certain time for a HISTORICAL AWARD. We thought simply it was because we had been in the company for 15 plus years and they were awarding us a longevity award. As we took the stage with more than 25 other leaders from our company the MC explained that every member who was on stage was part of an elite group who have earned 1 MILLION DOLLARS or more in the company. My husband and I looked at each other and our hearts sank, we turned a few shades of pale and immediately got sick to our stomachs… WHY???? Because simply we had earned over 1 million dollars and SPENT over 1 million dollars… AGGGGHHHHHHHHHHH! We had no significant savings, do not own a home, don’t own our vehicles yet, and still have over $100,000 in Student Loan Debt.

So what is the difference between Desperate Diane and David and my husband and I… ONE THING. See in 2008 Jay and I became serious about digging out of the Pit of Despair. We got a hold of a Training Program that gave us a plan to get back on track.  We worked that plan really well for 3 years and paid off more than $150,000 in debt before we started to slack again. I can give you a list of excuses why we became lazy again but that is all they are… EXCUSES.

Our household income went significantly up so there seemed to be less stress and our lives got busier when my husband started a new job and we started a family. So again we would spend all we made. We also started investing in some things without wise counsel, which took more than $100,000.

Although it set us back some we still have been able to pay off $280,000 in 6 years and 8 months. WOW, right? Some people would be totally out of debt if they had just stuck to the plan, but sadly we made more debt because we made more money. It’s such a slippery slope you can fall down when you have the paycheck or in our case a commission check that comes every month. It’s dangerous unless you have the skills to handle money correctly.

So during our interview with Desperate Diane and David we told them that most people with that much financial stress in their lives don’t usually find significant success in their own home business right away unless they get their money management and debt under control first. We also have made it a requirement for our new team members and staff to take this Financial Program.

The Programs are:


War on Debt


Debt Elimination & Financial Independence

The greatest feeling in the world is paying off your debt and getting out of bondage. It’s amazing to watch our team members and staff create a new happiness and lightness to their lives. They are happier, healthier, and are way less stressed. THEY ARE BETTER Employees, Business Developers, Parents, Spouses, Friends and People.

When you break free from POVERTY it is a freedom like you and I can’t even imagine.  I have had a little taste of it and I look forward to the day that we are completely free.  My husband and I also look forward to the day that YOU are FREE. I hope you will make the investment in your future happiness by getting



God Bless your Success,

Mary Starr Carter
The Total Wellness Doc and Mom


new year

Have you thought about what 2016 will be like?

It’s hours away and a WHOLE NEW YEAR will be HERE. It’s exciting, overwhelming, and sad all at the same time. Exciting to see what the New Year will bring for you and me, overwhelming with all the things that we think we would like to accomplish, and sad that another wonderful Christmas season has gone by.

But this year I think things are going to be really different for you and me because this year we are going to LIVE our LIVES INTENTIONALLY. What do I mean by INTENTIONALLY?

You know how a whole year can go by and you didn’t get the things done that you wanted to. You know this time last year you made a commitment to take 1 day off of work a week but that didn’t really happen. Or you had planned to take your eldest daughter on a mother daughter retreat but that didn’t happen. Or maybe you said this is the year you and your family are going to start doing local missions or community service together but that didn’t happen either. What are the things you wanted to accomplish but didn’t last year?

For me I actually accomplished a few things I wanted to because I started living my life intentionally at about the end of May last year. At the end of May I started to implement something called TIME SECRETS. It’s not really a secret but it is a strategy to really live your LIFE by DESIGN. Its been exciting to see things accomplished or at least progress made on some of my goals and desires.

Many of you who read my newsletters and blogs are in a business of some sort. You, like me, have goals for your 2016 year. Now look back at last year and the time you spent in your business. Were there projects, events, tasks, or people that you spent time with that were not a good investment of your resources? Only you can answer that. Look at the time you spent with a fine tooth comb and see if you see what I saw? See, after 16 years I am finally having a HUGE AHA moment and realizing that I have not been a good steward of my time and resources.

One of the areas I need to change is in some of the projects or people I serve. I like FIXING PEOPLE. I have a gift of seeing people’s potential and developing and giving them a whole system of success. That’s not a problem. It is when I go overboard and OVERPROMISE and OVERDO my giving or simply DO THE WORK FOR THEM….  AGGGHHHH. Do you have this problem too?

For 16 years I have given, fixed, corrected, overdone, and exhausted myself in OVER HELPING. See, God tells us to SERVE others but He doesn’t tell us to ENABLE OTHERS. God also tells us to Prioritize Him, our Marriage, our Children above other things. When we OVERDO for others because it makes us FEEL good we neglect some area of our life. It could be in our marriage, children or our own health.
This year one of my employees, attending, and the program Time Secrets helped me to wake up to my OVERDOING behaviors.

But the best gift of knowledge I got this year in helping my 2016 year be AMAZING came this past week and I want to share it with you. It is from the the Life and Business Planner 2016 Virtual Retreat. When you purchase this Planner at you get this very, very valuable 2 day Virtual Retreat PowerPoints and accompanying audios. There are over 6 hours of content to help you prepare for 2016. I have been listening and re-listening to it for over a week and every time I get another nugget and some AHA’s for my year. It’s an excellent investment. I really hope you will get it and go through the training and prepare your year.

So for me my theme for 2016 is ME… What about you? What will your THEME for 2016 be? Don’t know what that means? Get the Planner and they explain it. For me this is the year of making WISER decisions about where I spend my time, what I do, who I help, how I serve others. I want to make myself a priority so I can be the best in my marriage and with my children. A happy you, a happy life, makes you much better in business.  I hope you will consider doing the same and making YOU a priority in 2016.

We have to remember we are not selfish when we care for OURSELVES and do things for OURSELVES because when you don’t CARE for yourself you end up EMPTY and eventually BROKEN… Make this year will be the YEAR OF YOU… HEALTHY and WHOLE.

I promise to walk you through my journey and I hope you will share with me your stories of caring for yourself too.  LOVE YOU. Make you a priority. God Bless your 2016. I will be praying for your success.


Mary Starr Carter
the Total Wellness Doc and Mom