The American education system has not done its due diligence in making sure students are savvy in all things concerning finances. In grade school, I do not remember taking a class on interest rates, credit cards, investment portfolios and other financial concepts. It is no wonder many millennial are in over their head in educational debt; many people purchase homes they cannot afford; and America’s debt amount is larger than any other nation’s. The reality is Americans are not the most frugal with money.

I am no different. In fact, circumstances have forced me to take a long, hard, look at the way I manage my finances and I must say things need to change. My educational debt needs to change. My credit card debt needs to change. My investment portfolio needs to change. My everyday habits need to change. But, most of all I need to change.Read More »