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.

You Landed Your First Job. Now What?

You did it!  You graduated, searched high and low and landed your first job.  It’s time to celebrate.  Go out big this weekend with your friends or, maybe, buy that car you’ve had your eye on lately.

Hold up!  Not so fast.  Yes, you have your first “real” job.  It’s likely, however, that you won’t make the money an NFL All-Star makes.  What should you do? 

Baked Spaghetti Squash Recipe

A reader asked about our baked spaghetti squash recipe.  It’s a combination of recipes we found online.  The Guardian UK deemed spaghetti squash as this falls “must have” ingredient and for good reason.  It’s a low carb, low calorie (42 calories per cup), fibrous alternative to pasta loaded with folic acid, vitamin A, potassium and beta carotene.   

We made this pan two weeks ago for dinner, then had leftovers that lasted through the early part of this week.  It saved us a lot of cooking.  Also, on Sunday night, we were almost tempted to get Chipotle, but decided to go with a healthier option we already had.  If this wasn’t in the fridge, we would’ve wasted money and calories.  Click the link for our hodge-podge recipe.

How Are Fleetwood Mac, Adele and Your Problems Alike?

I was exercising at the gym this morning and “Big Love” by Fleetwood Mac came on my iPod.  I was about the change it when I decided to listen.  Lindsay Buckingham’s guitar skills on that song are amazing.  When I was listening and doing bent-over-barbell-pulls, it struck me as ironic that two of my favorite albums came from dark places for the artists.  Then, I thought, maybe their stories can be an inspiration for others.