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.

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.

Teaching Kids About Money

Here are some insights for teaching kids about money.  Consider how hard it is to get adult Americans to plan for retirement, then consider how far off any financial milestone seems to kids.  It’s no wonder most financial literacy programs don’t work.  Many freshman in high school find it hard to fathom college let alone 

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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.