The Affordability The 4Cs of Change a self-help tool developed by Dr. Nathaniel J. Williams describes the importance of releasing oneself from the impactful challenging moment in life that all people experience and living in the fullness of faith and fortitude by transforming one s concepts, communications, collaborations, and consequences (4Cs). Additionally, The Affordability Factor highlights the need to differentiate between the roles of faith and fortitude while understanding the importance of both to be omnipresent in our lives. Harriet Tubman once said I freed a thousand slaves. I could have freed a thousand more if only they knew they were slaves. The Affordability The 4Cs of Change is built on the premise that we could afford so much more if we only realized the concepts, communication, collaborations and consequences which enslave us to a less than desirable existence and outcomes. Most individuals do not realize the significance of challenging (and generally negative) events that occur in their lives. Such events cause individuals to fixate on certain themes, exerting a lasting impact on their concepts, communications, and collaborations. Examples of challenging life events death of parent, sibling, friend, or pet (loss), ridicule/embarrassment, belonging/attachment events, lessening of ability, victimization, poverty, disease, divorce, or a challenge that affected your faith education. An effort to understand the Personal Philosophy that the challenging event has left the individual with is pivotal to increasing The Affordability Factor of everything the individual desires in life. The Personal Philosophy and Working Concepts either block or launch an individual. Thus, the challenging life event informs our personal philosophy. The personal philosophy informs our concepts. Our concepts inform our communications; our concepts and communications inform collaborations; and concepts, communications, and collaborations impact our consequences. Thus, consequences are the compensation for the processing of our Challenging Life Event and implementation of a Personal Philosophy. Thus, the highest Affordability Factor is the result of one s healthy processing of the Challenging Life Event and the development of a Personal Philosophy and Working Concept. Learning to replace a negative recurring cycle with one that is more or most affordable occurs through the development of a concept that brings with it more desirable communications, collaborations, and consequences (4Cs of Change). Furthermore, we can afford what we can conceive, communicate, collaborate on, and tolerate the consequences of.