Resources To Get You Financially Free


Get Your Finances Organized!

July 24, 2020

It is extremely important to have your finances organized.   In fact, I believe that lack of organization is one of the top reasons that people do not reach the peak of their financial potential.   I am excited about this post, especially because we have a FREE tool to help! Some of you may…

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5 Ways to Save Money Without Selling Anything

July 22, 2020

When the economy takes a down turn, one of the best ways to “weather the storm” is to save money!  In this post I will share the top five ways that we see people saving lots of money. I believe that if you apply these five items, you will save over $1,000 a year.  Don’t…

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You Can Be Debt-Free

July 17, 2020

I have found that a vast majority of those who sign up to attend the Financial Learning Experience are living paycheck-to-paycheck AND carrying debt.  In fact, statistics from surveys I have conducted show that 72% of those attending my classes are living paycheck-to-paycheck.  Of those 72% living paycheck-to-paycheck, 24% are BEHIND on payments. Only 3%…

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What Should I Do With My Tax Refund?

July 15, 2020

What are you going to do with your tax refund? While tax season may seem like a distance memory to some, others may been filing today.  2020 has brought about a lot of changes, one of which was an extension for tax filing from April 15th to July 15th. If you’re getting a refund what…

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How Do I Stop Impulsive Spending?

July 10, 2020

Recently, I was teaching the Financial Learning Experience  at my local church when I had a gentleman raise his hand and asked this question. “How Do I Stop Being Impulsive?” My answer?  I don’t know to stop the impulsive nature, but I DO know how to control my impulse to spend recklessly. I am a SPENDER. …

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Budgeting When You Have Irregular Income

July 8, 2020

Do you have irregular income?  Maybe it is seasonal or cyclical. There is a large group of folks whose family economy is powered by irregular income. Real estate agents, hair stylists, commissioned salesmen, and business owners all experience seasonal or cyclical income.   Folks who live with this type of income often tell me that…

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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.