Hello,

Thank you for taking the time to visit my website. On this website, I share some of my thoughts on the importance of making informed and effective financial decisions. Please feel free to disagree with my opinions. My thoughts are primarily based on what I have observed and learned.

It appears that I have always had a penchant for saving money. I began saving money with my first job and have never had a bank account that was empty. I’ve always lived below my means. Because I disliked debt, I avoided using credit cards excessively. However, it took me a long time to build up substantial savings and net worth.

Between the ages of 18 and 40, I was basically illiterate in financial matters. Here’s what I’m talking about. Instead of buying a house, I rented apartments for nearly two decades. I made enough money to buy a house, but I thought it would be cheaper and easier to rent. That was a costly blunder. For the first six years that I was eligible, I did not participate in my company’s 401k plan. Another costly blunder. Because I didn’t know any better, I went on to make a number of other costly mistakes.

I believe that many people, like me, are making costly mistakes with their money and resources because they don’t know any better. For me, the story improved dramatically when I began to apply the knowledge I was gaining from working in the financial industry, we hired a financial advisor, and I became a Dave Ramsey Trained Financial Counselor. Needless to say, my financial situation has greatly improved; we now have a sizable net worth and are debt-free. I’m married, and my wife and I enjoy golfing and reading.