I grew up much like most other people in the Midwest...often in a class many would call the working (lower) class.

 

If I had any kind of relationship with money/ finances, it was probably a bad one. The only thing I knew about money is that you had to work very HARD for it even though my brothers and I were on social welfare programs such as Foodstamps and Medicaid. 

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Like most people, I grew up with no information (or bad information) about money and personal finances. I believed all the myths about money too: "Money doesn't grow on trees (scarcity)", "A penny saved is a penny earned (never focusing on income and skills)", "All debt is bad (never learning about leverage...good or bad)", "I'll work until I die (not planning for anything)" and the list goes on. 

 

In broken homes and/ or homes where personal finance and money is not understood or not discussed, the children typically develop an unhealthy relationship or NO relationship with money early on. This sets them up for an incredibly difficult adult life since so much of our lives are impacted by our financial resources and our ability to manage our money. 

 

Most people from my kind of background are hard workers and great people, but many of them remain on the hamster wheel and stuck in the generational cycle of working/ lower class America!

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The reason for this, barring really bad luck, is the lack of financial literacy (knowledge about money). Most people are never taught it in the home or at school, and the majority of people never truly seek it out later in life either.

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I got lucky!!!

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For one reason or another I was given the gift of learning how to work hard from a very young age, and eventually I aggressively pursued learning about personal finances and money on my own! I AM STILL LEARNING TODAY! 

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Everything that I have learned about real estate, money, investing, sales and personal finances I have learned on my own through rolling up my sleeves and getting my hands dirty. I've made many mistakes, but I've also had some real WINS. 

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Like me, you can learn all of this information so you can improve your financial wellbeing too.

 

You are not alone! In fact, tens of millions of other Americans are under informed when it comes to basic personal finances, investing, real estate and money. 64% of all American's live paycheck to paycheck in 2023 according to CNBC. This includes American's making $100k+/ yr if you can believe that.

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Why I create this content, and why you might want to read, listen and interact with it...

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I learned over the last decade that the majority of people out there are by and large decent people just trying to get by while having a little fun and spending quality time with friends and family.

 

The vast majority of them are also suffering financially, living paycheck to paycheck, in massive debt, losing hope and living in fear. 

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I know, because I was one of them. To some extent I am still fighting limiting beliefs and decades old myths about money.

 

But, ultimately I have progressed a couple chapters ahead of where most people are and I want to pay it back to hopefully give hope back to the people that don't know where to start, have all but given up, are aggressively seeking information, have high incomes but are still broke, have savings but don't know what to do with it, are in massive student loan debt and don't know what to do and so on...

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• I have worked hard for an income since I was 14

• I have made financial mistakes

  • accumulated student loan debt​

  • gambled

  • spent more than I made

  • incurred massive opportunity cost

  • and more

• I have a Masters in Business Administration (MBA)

• I have been educated in the school of hard knocks and experience in:

  • Real Estate (Grew rental portfolio to 20 doors in 4 years)​

  • Sales (Sr. Director of Sales @ med/lg business)

  • Debt (Paid off $313k in student loans in just less than 4 yrs and have used it as a tool for positive and ultimately negative outcomes)

  • Career Management (Have learned the hard way how to manage a career, increase value/ income and so on.)

  • Investing (Have been managing my own investments, insurance, real estate, HSAs, retirement accounts for over a decade)

• I am an active student of Money, Investing, Real Estate, Crypto , Sales, Psychology and Finance. I learn through studying other people and their content, and I also learn by actually investing my own money as well.

• I am married and raising a family while working a W2 (regular) job and investing for our futures. (You can do this too)

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I very much believe that many people are just one conversation, one ah ha moment or one good story that sticks... away from turning the corner with their financial health.

 

That is why I create this content, and that is why I hope you sign up for the newsletters, subscribe to my YouTube channel and connect with me on social media. My hope is that my content is good enough that it serves as a quality resource for you, and helps guide you around the corner to a better financial future.

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Take care, 

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