Like most, I didn’t learn about personal finance in elementary school, high school, or college. I grew up with a basic education around money. Personal finance was not talked about in my house, other than knowing to spend less than you make and save your money.

I had a credit card in college, because “you need to build credit.” I graduated with student loan debt, and got my first job out of college. And like most, I accumulated a few more credit cards and credit card debt along the way.

As a young professional in my mid 20s, I went out with friends on the weekends (paid with credit cards), went out to lunch each day (paid with credit cards), went on vacation (paid with credit cards), bought a new car because I could afford the payments, and didn’t invest in my company’s retirement plan (for 3 years). I was paying everyone else at the end of the month, except for myself.

My “Aha moment” occurred in my 30’s. My father had a stroke, and I had to get his finances in order. In the process, I realized that he had $0 in retirement, and received a minimal pension of $550 per month! The man who I had watch go to work each day, had $0 to show for it in retirement. His plan was to work until he couldn’t work anymore.

I took a serious look finances. After 10 years of working, my net worth was less than my yearly salary! I had credit card debt (I played the credit card game and would open and transfer balances to the zero interest cards), a mortgage, next to no emergency fund, no budget, and NO PLAN.

I dove into personal finance head first. I needed a plan. I read the books, listened to the podcasts, read more books, listened to more podcasts.

In 4 years, I paid off $163,000 in debt, built a fully funded emergency fund of 6 months expenses, and invested in my retirement.

I achieved Financial Freedom.

Now, I want to help you achieve Financial Freedom.