Not too long ago, I was the last person who should be giving financial advice. As a first generation college student living on Welfare and in low income housing, raised by a single mother from the Dominican Republic, I somehow convinced my mom to co-sign my student loans, not really understanding what I was getting myself into. A few years later I found myself in between jobs in the recession and decided to go back to school to get an MBA, accumulating even more debt. And after another bout of extended unemployment for good measure, I had less than $800 in my bank account, and owed hundreds of thousands of dollars in student debt. I was broke, overwhelmed, crying constantly, and wondering why I had worked so hard in my life to overcome poverty - just to be more broke.
This sounds like a sad story. And maybe the roadbumps in your life are different than mine. But in my case, the truth is that it could have been much worse. In just a few years, I was able to climb out of that financial hole and get back on stable footing. More importantly, I was able to get my peace and my sanity back. And I want to help you do the same.