Where I Came From
When I was a child my parents were fiscally responsible. They paid their bills, avoided debt, and conserved wherever they could. Despite having an average income they were able to eventually pay off their mortgage and gain some financial independence.
You may think this translated into a child who also had good financial habits, but unfortunately for me, that isn’t the case. I struggled with excessive debt and poor budgeting well into my 20s.
During many of the most difficult times I found myself wondering exactly how I got into such a mess. The answer came to me many years later. I had to have a few close calls with disaster, stand on the brink of financial ruin, and talk to a lot of smart people before I became open minded enough to really look for a solution.