Born and raised in Pennsylvania, I moved to Denver CO in 1999 shortly after graduating from Bloomsburg University. My original motivation for moving to Colorado was snowboarding the great Rocky Mountains. During this time, I acquired the majority of my debt. My income was okay, but outflow was horrible. I simply lived beyond my means and it eventually caught up with me. After a year of play, I landed a job at a Fortune 500 financial services firm as a customer service representative. Over the years, I acquired a number of industry licenses and dabbled in trading, advice, sales, compliance and business strategy. My income was better, but I still lived beyond my means while I attempted to take tiny bites out of my debt. Despite having had thirteen years of combined experience working in financial services between my partner, David Auten, and me, we were financial messes. We realized in 2004 that we needed to do something about our financial situation. We were two thirty-something professionals with $51,000 of combined credit card debt, living in a basement apartment. After reaching our rock-bottom, we made the decision to not continue on the road we had been for so long. Now we're out of debt and use our blog (www.DebtFreeGuys.com) and our books to help others becoming #MoneyConscious and financially independent. I now have fourteen years of experience in financial services in both retail and institutional investing. I have my Master's Degree in Business Administration and am Series 7, 63, 9, 10, 66 and 24 licensed. David and I have now published three eBooks in our #MoneyConscious Series and have a fourth, hard copy book scheduled for release towards the end of 2014 and another eBook in early 2015. The mission of the Debt Guys is to help everyone become #MoneyConscious resulting in eliminating their debt, living a debt free life and empowering them to achieve financial success by virtue of the universal principles discovered by us through our own financial mistakes, victories and professional training. Emails us, visit our blog or connect with us on Facebook, Twitter, Google+ or Pinterest to help yourself be #MoneyConscious and achieve financial independence.

Manage College Expenses with These 4 Strategies

When most future college students and future college-student-parents think about college they think about ways to find additional money to pay for college and college expenses.  As you’ll learn, especially if you go to business school, there are two sides to a balance sheet: assets and liabilities or, in this case, income and expenses.  Here are idea to keep college expenses down.

Preparing Your Child for the “Real World”

We’re reading more and more about the escalating costs of college and how unprepared young adults are to manage their own money.  We’re not judging.  We were financial nightmares ourselves.  In hindsight, we feel we weren’t given sufficient tools to be prepared.  Blame that on upbringing or education or whatever.

Personal finance education isn’t coming from school anytime soon.  What’s a parent to do?  What if you treat your high school-aged child as a roommate?  Ha!?  What?  Why would you do that?

4 Ways to Subsidize College Education

College tuition has skyrocketed over last couple of decades.  While median family income since 2002 has risen only 1.9%, the average annual growth for state college tuition has risen about 8%.  For the 2013-2014 academic year, the annual increase dropped to 2.9%.  This positive anomaly is good for college students, but it is still higher than the median family income rise by 1%.

Learn how you can reduce expenses for college.