Resources To Get You Financially Free


0% Balance Transfer Credit Cards

September 26, 2018

If you have credit cards and you carry a balance from month to month, this tip could literally save you hundreds, if not thousands, of dollars! You should consider a 0% Balance Transfer Credit Card. With these cards, you can transfer your outstanding balance on your card, to a new card and pay 0% for…

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Early Pay-Off Calculator

September 24, 2018

Do you have debt that you are really trying to get rid of? Are you interested to see how much time and money you could gain by paying off that debt earlier? If so, check out our Early Debt Payoff Calculator HERE. This tool allows you to enter the interest rate, outstanding loan balance, the…

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Good vs. Bad Debt

September 21, 2018

If you have been following my posts for a while, you probably know that I talk a lot about reducing and eliminating debt. So it might come as a shock to you that I do not think all debts are created equal and there is a such thing as good debt! I actually break debt…

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Understanding Credit Scores

September 19, 2018

Credit scores are a measure of one’s ability to manage debt. The dominant credit scoring system which is used by most lenders was created by Fair Isaac. This system provides a measure of an individual’s credit worthiness and is commonly known as a FICO Score. A credit score impacts many things. It determines whether or…

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MMT PODCAST: Is All Debt Bad?

September 17, 2018

Welcome to this week’s edition of the Monday Money Tip Podcast! This week, my co-host, Megan Hibbard and I are discussing debt and if there is a such thing as good debt. We also have some interesting statistics for you from the Motley Fool in regards to the average American and their finances and a…

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Actual Cost of Debt Calculator

September 13, 2018

Do you know what your debt is really costing you? How much of your monthly payments to your debt is actually going to principal and working at attacking your debt? Use our Actual Cost of Debt tool today to find out! By entering in the name of the debt, the amount you owe, the monthly…

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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.