This is a great topic. Something that I feel sad about (many times) about some ex-JWs is that many refuse to let go and remain in JW "mode", meaning that they still don't take care about the reality of their lives and instead waste their time trying to start crusades against the WT or investing their time and energy in making a point to them.
I did make a point to them. I was angry for some time, but at some point I realized that I had to let go of whatever crap they come up with and concentrate in building and managing the life I want for myself. That includes financial planning.
I had no clue on how to do that, and growing up with both my family's poverty mentality (for some reason my parents thought that having money is a bad thing) and the JWs teachings didn't help at all. It was difficult at first since I had this constant nagging feeling of "I'm never going to catch up; it's useless to even attempt to catch up". But then I realize, well, if I never catch up it's better to die trying.
Time goes fast, life is too short, and next I knew was me having a good path towards retirement. This is what I did:
- Let go of the mother fucking Jehovah's Witnesses, the Watchtower and all the useless shit they say, didn't say or changed. It's a total waste of time to continue scrutinizing what they say. I got it the first time, they lie, they are not the truth and what they say doesn't matter, period. I moved the fuck on. Every second that I waste trying to prove them wrong translates into time and energy I'm wasting and missing towards building my own life.
- Education and research. I read books, looked for information on the basics on financial planning, such as, getting or never incurring in debt, investments, benefits offered by employers, maintaining a lifestyle within my means. learn, learn, learn.
- Changed my attitude about money. Talking about money is not a bad thing. It used to be seen as something distasteful or something you just don't talk about. That's bullshit. Money is to be managed properly and there's no way to do that without learning and talking about it.
- Got rid of the stupid poverty mentality and catastrophic thinking about today's reality and the world that the WT promotes. The time is now to take care of myself. Nothing more stupid than thinking that nothing we do or plan today is going to be destroyed soon. Fuck that shit. None of them pay my rent.
- Get rid of the black-and-white mentality, the all-or-nothing nonsense that most christian religions promote. Every decision I made, including my financial ones, were impacted by that. No more.
- Invested in a future, still do. I said to myself "One day i'm going to be 50, or one day I'm going to be 50 with a college degree". Guess what, I'm now pass 50. I try to use my time wisely.
The biggest challenge for me was the overwhelming feeling of not knowing where to even start. I decided to start with my feelings and attitudes. Once I got rid of the JW mentality, I started feeling less overwhelmed, and I keep my feelings of discomfort over prosperity in check. I embraced the concept of prospering and building wealth, but it was a process.