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.

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. 

Be a Money Conscious Landlord

The two of us were talking last night and agreed that fundamentally, owning and renting real estate is still a good investment when it’s done by “traditional means”.  What are traditional means? Buy a diamond in the rough in a good location (walkability, schools, transportation, etc.) Putting 20%+ down on a loan Getting a loan with 

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Separate Business from Friendship

We’ve
all been there.  We walk into a bank to
apply for a loan, such as a home or car loan. 
We barely walk in the door and the greeter says with a friendly smile,
“How may I help you?”  After we share why
we’re there, the greeter says, “Let me get someone to help you.”  After a few minutes and enough time to make
you think the person you’ll meet is somewhat important, the banker comes around
the corner, introduces themselves and says, “I hear you need help with a
loan.  I can assist.”  We walk into their office where they offer
coffee and donuts and we start discussing needs, loans, terms and
conditions.  Throughout the process the
banker is friendlier than our best friend. 
Once we sign the loan agreement and receive the follow up information in
the mail, the relationship seems to change. 
What happened?

After Tonight’s Halloween, Be Yourself

I ran
errands this afternoon.  I stopped by The
Post Office, filled up the car with gas and dropped off dry cleaning.  Everywhere I went festive people were dressed
in Halloween costumes.  I saw Jack
Sparrow and a Harry Potter character.  I
think he was a Harry Potter character.  I
saw a fireman.  I’m positive he wasn’t a
real fireman.  I saw a woman with a witch’s
hat and nothing else on her that resembled a witch.  I saw lots of wigs, too.  There are wigs of all different colors.  Pink and blue seem to be popular this year.  I blame Pink, Nicki Minaj and Katy Perry for
that.    

Know Your Goals and Stick to Them

In 2006, we got the bug to stop renting and buy our own home.  Who didn’t, then, right?  Like most couples, we wanted a place of our own.  We first educated ourselves on the process and the real estate market in the Denver Metro Area.  We didn’t want to live far outside because this is a great location between our work, family and friends.