How To Invest in Yourself

As a single mom, I know what it feels like to be trapped in survival mode. For years, I lived paycheck to paycheck, barely making ends meet. Just when I felt like I was clawing my way out of poverty, the cost of living would rise, dragging me back down. Seven long years of hard work—fixing my credit, building stability, and trying to give my child a better life—I couldn’t shake the feeling of defeat.

Sound familiar? You’re not alone. Around 28% of single moms in the U.S. live below the poverty line, and even more hover just above it. But here’s the truth: The system isn’t built to save us. It’s built to keep us spinning our wheels. That’s why now is the time to take your power back—and one of the best ways to do that is to invest in yourself and get your EIN (Employer Identification Number).

What Is an EIN, and Why Does It Matter?

An EIN is like a Social Security number for your business. It’s the first step in establishing your small business as an entity, and it opens doors that can completely transform your financial situation. Here’s why:

1. Access to Funding Without the Usual Red Tape
   Did you know that banks are required to offer funding to small businesses with an EIN, often without requiring extensive personal documentation? This means you can leverage your EIN to secure funding and grow your business, even if your personal finances feel stretched thin.
2. Separate Personal and Business Finances
   An EIN allows you to open a business bank account, build business credit, and protect your personal assets. This separation is essential for long-term financial growth.
3. Tax Benefits
   As a business owner, you gain access to tax deductions and credits that you wouldn’t have as an individual. From home office deductions to equipment write-offs, the savings add up fast.

Why I Took the Leap

When I decided to get my EIN, it felt like a long shot. I didn’t know much about running a business, and I was scared of failing. But I was even more afraid of staying stuck. I had to ask myself: What’s the worst that can happen if I try? And what’s the best that can happen if I succeed?

Getting that EIN was my first step toward breaking free. I wasn’t just working hard anymore—I was working smart. Instead of putting all my energy into jobs that barely covered the bills, I started building something of my own. That one decision opened up opportunities I never thought possible.

Time Is All We Have—Stop Wasting It

Here’s the thing: Time is your most valuable resource. Every day you spend doubting yourself or waiting for the “right moment” is a day you’ll never get back. The system isn’t going to change for us—but we can change how we operate within it.

By investing in yourself now, you’re taking control of your future. You’re not just working to survive; you’re building a legacy for your family.

Let’s Break the Cycle

The truth is, the odds are stacked against single moms. But we’ve beaten the odds before, haven’t we? We’ve fought through addiction, trauma, heartbreak, and every challenge life has thrown at us. Getting an EIN and starting a business is just another challenge we’re capable of overcoming.

You don’t need to have it all figured out. You just need to start.

If you’ve been waiting for a sign, this is it. Stop doubting yourself. Stop putting it off. The time to invest in yourself is now.

So what’s your next step?

1. Head to the IRS website and apply for your EIN.
2. Brainstorm business ideas—no matter how small they may seem.
3. Start building the life you deserve.

Remember, you’re not just doing this for you—you’re doing it for your children and the generations to come. You’ve already come so far. Now, it’s time to go further.

Let’s break the cycle together.

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