Wise Life

of being fully employed, homeless, and crying myself to sleep most nights, I made a decision to take control of my finances. I began to study the Bible for the first time in my life, and the subject was money. Using a simple yellow pad and pencil to build a monthly budget, I paid off thousands of dollars of debt and built an emergency fund. While still homeless, I wrote my first tithe check. It was partly because the Bible encouraged and challenged me, Dave Ramsey encouraged and challenged me, and a local church compassionately sponsored a night in a hotel for me. Time passed, I connected with a friend and was no longer homeless. In 2004 I married my wife Regina. During our engagement, I paused paying off debt. We began the journey of learning how to communicate and agree on financial decisions together as we paid for our wedding and honeymoon with our own cash. We paid off debt, saved for emergency funds, sent multiple children to college/university debt-free, gone on debt-free mission trips, and have taken an uncountable amount of no-bill-generating vacations. Since 2005, I have become a Certified Financial Consultant. I help people build a simple budget that works, pay off debt, save for life events, and invest with Biblical wisdom. Since then I have been priv