Jeremiah 29:11

11 For I know the plans I have for you,” declares the LORD, “plans to prosper you and not to harm you, plans to give you hope and a future.

Homeless and Divorced

My personal journey started in 1999 from the back of a 1991 Ford Explorer where I wrote my first budget. It was written in the back of a Ford Explorer because I was going through a divorce and became a working homeless man during the process. That was where I cried myself to sleep at night.

Dave Ramsey introduced me to how the Bible teaches how to steward your finances. This was the first time in my life that I intentionally opened the Bible to learn about anything, much less finances. The lessons on budgeting, giving, saving, and getting out of debt were crystal clear, do it. Investing took a bit more studying before the lessons became clear to me.

Homeless with Hope

Even though I was homeless and crying myself to sleep most nights, hope was quickly produced when I applied and lived what the Bible instructs to do about personal finance.

Hope was produced when I wrote my first budget from the back of that Ford Explorer and focused my efforts on building savings and eliminating debt. Each dollar saved and debt paid off was a financial and emotional victory and helped me to visualize a better future than my current circumstances.

The power of tithing was felt when I reached out to a few churches and one church was kind enough to pay for one night in a hotel for me. I had the money to pay for it myself, but I wanted to feel as if someone cared. Out of a feeling of reciprocity I sent my first tithe check to that church. Yet, honestly, I did not tithe again for many months afterward.

Hope Transforms Lives

Because of the hope I enjoy, years later in 2004 I became a Certified Financial Consultant to help people build a plan that produces real hope, clarifies their future and prospers them.

Since 2004 I have been privileged to help thousands of individuals and couples through conferences, seminars, preaching, classes, workshops, and 1 on 1' s produce lasting hope in their lives. They have paid off millions in debt including homes, student loans, vehicles, and other forms of debt . They have also saved for emergency funds, sent many kids to college debt free, gone on debt free mission trips and many have taken no bill generating vacations. Many have prospered from wise investing in the stock market and real estate investing. Yet, one of the highest honors is to help marriages heal from broken trust and financial hardships and come back from the brink of divorce.