Resources To Get You Financially Free


What you don’t know DOES harm you!

February 7, 2006

Budgeting is easy. Three years ago, I would never have written that statement, but today I can passionately state that budgeting is easy. Here is a key fact to remember. Budgets do not require calculus, differential equations, geometry, physics, or trigonometry. Budgets do not even require division or multiplication. Budgets really only utilize addition and…

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What do you want?

February 6, 2006

I believe that everyone has wants that they “want” to buy. It is our nature to “want” things. For some, it is the latest technology gadget. For me, it is a boat. For others, it is a new piece of furniture. For still others, it is cosmetic surgery. There are others: greenhouse, seed germination kit,…

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Get started now!

February 3, 2006

What is a day worth? Today is one day later than yesterday. Brilliant!!! Because you did not invest $2000 yesterday, you have lost the $1,490,869,419.46 in a single day’s interest that you would have earned on July 7, 2185!!! That is ONE BILLION DOLLARS!!! Is Austin Power’s around here? Don’t believe me? Try it out.…

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Budgeting? Seriously?

February 2, 2006

Budgeting. The word itself has a negative sound to it. It sounds so … so … nerdy? constraining? confining? restrictive? I hated this word. This word meant that I had to do … I had to … I … I really did not know what it did mean!!! Really! Yeah, yeah, I knew that it…

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It IS a crisis!

February 1, 2006

AP HEADLINE: 2005 Savings Rate at Lowest Level Since 1933 That’s right. Americans’ personal savings rate in 2005 was -0.5%. That is MINUS 0.5%!!! This means that, on average, Americans not only spent every dime they brought home, but they also drained their savings or turned to debt to support their addiction to spending. Unbelievable.…

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It’s time to get this thing started!

January 31, 2006

Personal finances impact every area of a person’s life. It impacts relationships with their spouse, parents, children, friends, neighbors, church, and God. It is a subject that many do not want to talk about because it is an embarrassing subject. I spent the first six years of my career being embarrassed. How could I make…

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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.