I’m just a normal guy trying to live life the best that I can to provide for my family.   During my life I’ve made a lot of mistakes in personal finance.  I’ve learned quite a lot and have really been making strides in becoming financially independent.  But I didn’t do things efficiently.  That’s why I’m writing this blog.  This site is guided towards teaching the basics of personal finance to be efficient and effective.  If you get the big rocks of personal finance right, the little things will take care of themselves.  The best thing you can do is start learning early and stick to it.