Author of four personal finance books and author of hundreds of MoneyWalk articles. The LORD helped me understand I did not have to continue living in poverty into which I was born along with three older brothers (all of us one year apart in age) to a single Mom disabled and on welfare most of her life. None of our fathers raised, took interest in, visited, or financially supported us.

By 1992, my wife and I had gotten ourselves into $135,000 of debt and had a negative $35,000 net worth. Financial bondage and turmoil led us to seek principles and a process for employing good stewardship of our finances.

As a result, we became constructively debt-free in 1998, mortgage free January 2004, millionaires in 2012, multi-millionaires shortly thereafter, and retired in 2018 in our mid-fifties from public servant jobs. By the LORD’s grace we continue to live debt-free, tithe & give abundantly, maintain a large emergency fund, and invest heavily in no-load low-expense stock index mutual funds. Sharing the good news of Jesus Christ while following and teaching biblical financial principles opens huge doors of prosperity that helps us and others fulfill God-given purpose.