Hello everyone, I’m Joe!  I’d like to tell you my story in the hope that it can inspire you to change your life.  10 years ago I made the decision to move 1/2 way across the country with the hopes of opening a restaurant with my uncle – all while I was 17 years old.  I quickly learned that working with family wasn’t a good idea and found myself jobless, broke and on the verge of being homeless. After a couple years of taking whatever job I could find to pay the bills – waiting at a restaurant, plumbing, retail, working at a call center, etc. – I found myself in quite a bit of debt because my jobs weren’t paying enough to pay for ALL my bills.  When I pulled my credit and saw a scary number, roughly six months worth of income, I decided that I should join college and try something new.  This blog isn’t intended to teach you about going to school or getting a job, but this is important in my journey. It took me almost 6 years to graduate because I was working full-time and going to school full-time, so I could only take 3 or 4 classes at a time and couldn’t always take summer classes.  6 years worth of college resulted in a ton of debt…  About $50,000 worth.  By the time I graduated I was in about $75,000 in debt.  ($50,000 college loans, $15,000 car loan and $10,000 in various other debts).  That’s right, Seventy-five Thousand Dollars!

I worked hard to get a decent job after graduating – making enough money to pay my bills and have some entertainment money all while paying a little bit of debt.  After saving a little bit of cash and buying a house, I then realized I was now in $235,000 debt (including the $170,000 mortgage).  After I added up all my debt I decided to take the way I live in my own hands and to no longer rely on banks to live – I created a 10 year plan to do so.

This blog is to tell you how I do it and  I hope to inspire you all get debt free too!

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