After the implosion of my 401k, I was determined never to be victimized by markets or my own stupidity. I began reading whatever books I could find on the topic of personal finance. Included in these were Rich Dad Poor Dad, The Millionaire Next Door, The Millionaire Barber, and The Richest Man in Babylon. The more I read, the greater burned the intensity of the proverbial light bulb in my mind’s eye.

The greatest change occurred when I stumbled on Dave Ramsey’s radio talk show somewhere between 1999 and 2000. For me, his message of ridding yourself of debt, living on less than you make, and cutting up your credit cards provided the missing pieces of the financial puzzle. I was hooked. Following the Biblical Financial Principles that Dave espouses, Lisa and I began to make the long overdue financial lifestyle changes. By 2003, we had paid off all debt, except for the house. It was then that I decided to approach her with the idea that I change careers. I’d developed a growing desire to help other folks make better financial choices. She agreed, and that fall, in a leap of faith, I quit my job to expedite the completion of a BA in Finance. I concurrently entered a financial planning certification program with another institution.

New Career