Resources To Get You Financially Free


How long until you are debt-free?

February 15, 2006

It is simple to calculate your debt-freedom date! Here is how you do it. 1) List all of your debts – include each debt’s name (Home Depot, Victoria’s Secret, etc.), the debt’s balance, and the monthly payment 2) Sum up all of the outstanding debt balances to obtain the Total Debt Owed 3) Sum up…

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Budgeting requires give and take

February 14, 2006

When you set up your budget with your spouse, it is important to remember that it is a process of give and take. Jenn and I have learned to really value this aspect of budgeting. There will be times that you do not agree on everything in the budget. Jenn and I usually agree on…

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What are you known for?

February 13, 2006

If you have a plan for your finances and you follow that plan, you will have a great chance of becoming wealthy. Wealth generally amplifies who we really are. I want to be known for my passion for helping people accomplish more than they ever thought possible. I want to help equip them with tools…

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I am passionate about helping …

February 10, 2006

My life’s passion statement is to help people accomplish far more than they ever thought was possible. One key way that I am seeking to accomplish this is by teaching people about personal financial management. I have realized that if I can help people with their financial situation, then they will be better able to…

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Another reason why you should budget …

February 9, 2006

PAID FOR VACATIONS! Going on a vacation that is paid for in advance is AWESOME! Imagine going on a trip that is already PAID FOR before you leave. It is an outstanding feeling!!! When you have paid for the trip in advance, you will enjoy the trip so much better. I am going on vacation.…

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What will you say in 20 years?

February 8, 2006

Today, I mark 20 years since I learned about debt and its impact on my ability to achieve financial freedom. It was 20 years ago that I learned that if I had debt, it would enslave me to the lender. I learned that the interest I paid on debt would help the bank build a…

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About Joe

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Joe is a leading teacher of personal finances. It is his passion to help people accomplish far more than they ever thought possible with their personal finances.

He is the founder of I Was Broke. Now I’m Not., the president and CEO of INJOY Stewardship Solutions, and Co-Founder of Fully Funded.

Joe is a graduate of Purdue University (BS Mechanical Engineering) and Clemson University (MBA). He is the author of several books and has been featured in Money Magazine. He has been privileged to share his passion with hundreds of thousands of people throughout North America through Financial Learning Experiences, personal finance messages and one-on-one financial coaching sessions.