12 STEPS OF FINANCIAL UNDEREARNERS ANONYMOUS

  1. We admitted we were powerless around earning--that our lives had become unmanageable.

  2. We came to believe that an Earning Power greater than ourselves could restore us to prosperity.

  3. We made a decision to turn our will and our lives over to the care of an Earning Power as we understood it.

  4. We made a searching and fearless moral inventory of ourselves.

  5. We admitted to Earning Power, to ourselves and to another human being the exact nature of our wrongs.

  6. We were entirely ready to have Earning Power remove all these defects of character.

  7. We humbly asked Earning Power to remove our shortcomings.

  8. We made a list of all persons we had harmed, and became willing to make amends to them all.

  9. We made direct amends to such people wherever possible, except when to do so would injure them or others.

  10. We continued to take personal inventory and when we were wrong promptly admitted it.

  11. We sought through prayer and meditation to improve our conscious contact with our Earning Power, praying only for knowledge of its will for us and the earning power to carry that out.

  12. Having had a spiritual awakening as the result of these steps, we tried to carry this message to other financial underearners, and to practice these principles in all areas of our lives.

12 STEPS OF ALCOHOLICS ANONYMOUS

  1. We admitted we were powerless over alcohol—that our lives had become unmanageable.

  2. Came to believe that a Power greater than ourselves could restore us to sanity.

  3. Made a decision to turn our will and our lives over to the care of God as we understood Him.

  4. Made a searching and fearless moral inventory of ourselves.

  5. Admitted to God, to ourselves, and to another human being the exact nature of our wrongs.

  6. Were entirely ready to have God remove all these defects of character.

  7. Humbly asked Him to remove our shortcomings.

  8. Made a list of all persons we had harmed, and became willing to make amends to them all.

  9. Made direct amends to such people wherever possible, except when to do so would injure them or others.

  10. Continued to take personal inventory and when we were wrong promptly admitted it.

  11. Sought through prayer and meditation to improve our conscious contact with God, as we understood Him, praying only for knowledge of His will for us and the power to carry that out.

  12. Having had a spiritual awakening as the result of these Steps, we tried to carry this message to alcoholics, and to practice these principles in all our affairs.

The Twelve Steps and Twelve Traditions of Alcoholics Anonymous have been reprinted and adapted with the permission of Alcoholics Anonymous World Services, Inc. (“A.A.W.S.”).  Permission to reprint and adapt the Twelve Steps and Twelve Traditions does not mean that Alcoholics Anonymous is affiliated with this program. A.A. is a program of recovery from alcoholism only - use of A.A.’s Steps and Traditions or an adapted version in connection with programs and activities which are patterned after A.A., but which address other problems, or use in any other non-A.A. context, does not imply otherwise.