Do you see this chart?!!!  This is the last 100 readers of this blog!!!  Look at where people are checking in from!

Georgia, New York, Oregon, Washington, Indiana, South Carolina, Michigan, California, Arizona, Florida, Queensland, Minnesota, Wisconsin, Oklahoma, and Illinois.

Freaks!  That's what you all are!  Why would you keep reading the writings of a crazy mad man who is on a CRUSADE to help others with their finances!  You must be some sort of crazy individuals yourselves!

Nerds, Freaks, Crazies – I do not care what they call us!  JUST DON'T CALL US B-R-O-K-E ANYMORE!!!

THANK YOU for reading every single day and helping take this crusade to the nation!  Tell others about the FREE TOOLS that are available.  Set up dinner with your friends and then SHOW THEM how you are managing your money!  SHOW THEM how it is transforming your marriage and your financial future!   TEACH YOUR CHILDREN THIS STUFF!  Carry it to your schools!  Carry it to your workplace!  Carry it to your local bar!  Carry it to your church!  Take it to the community!

FOR ALL OF YOU ATLANTA FOLKS – I will be at CROSSROADS CHURCH in Douglasville, GA THIS SATURDAY at 9:30AM teaching the FINANCIAL LEARNING EXPERIENCE!  I would love to meet you guys!  It is always great to meet those who are reading the blog!



  1. Tina Harkey on May 4, 2007 at 5:30 am


    I have a question about student loans. My apr is 2.5%. Would it be wiser to work on paying off a car than paying off a student loan with that low of an interest rate even if the loan is twice as long as the car and we are now pretty much paying just principle on the car. Our investments are doing better than 2.5%. I’m kinds stumped on this one.


  2. jane muir on May 4, 2007 at 5:53 am

    curious to see what you say to Tina… I say the student lones because the car already has paid it’s interest… but how much more do you have to pay on the car loan, and I would ask how much do you owe on the student loans (bunch more than car loan?)

    So how did I do in my assessing it Joe? Have I learned anything?

    AND…. I can’t wait till we have people ALLLLL over the country debt free…. it WILL happen! I have been “advertising” your web site on my blog this week… word of mouth/key stoke!

  3. jsangl on May 4, 2007 at 8:02 am


    Great question! I would probably go ahead and pay off the car because it will most likely free up a larger monthly payment. Is this correct?

    Then you will be able to knock out the debt on the student loan so much faster.

    Have you plugged your numbers into the Debt Freedom Date Calculator on the “Tools” page? It will tell you how soon you can expect to be 100% debt free!

    http://www.josephsangl.com/?page_id=151 is the link to the Debt Freedom Date Calculator (and about a dozen other easy-to-use tools!)


  4. Tina Harkey on May 6, 2007 at 1:46 pm

    Yeah Joe, You are correct. $690 car payment ($25,000 payoff) (I know, I know) and $111 student loan payment (13,000 payoff). So we will start by paying off the credit cards with some money we just came into then we can hit the car, then the student loan…and then we will only owe on a house…hallelujah!

    Thanks for the advice.

  5. blog on August 1, 2007 at 12:48 am


    i agree

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