T

CHAPTER TWO

HOW I DISCOVERED THE 5

SECOND RULE

his all started in 2009. I was 41 years old and facing some major problems
with money, work, and in my marriage. As soon as I woke up each morning,
all I felt was dread.

Have you ever felt that way? It’s the worst. The alarm rings, and you just don’t
feel like getting up and facing the day. Or, you lie awake at night with your head
spinning as you worry about all of your problems.

That was me. For months, I felt so overwhelmed by the problems I had that I
could barely get out of bed. When the alarm rang at 6 a.m., I would lie there and
think about the day ahead, the lien on the house, the negative account balance, my