Welcome to my personal finance blog!

My goal is to explain personal finance topics in a simple way so that you can take small steps to make positive changes in your finances.

Here is a little background information on me:

I received my bachelor’s degree from Utah State University in Family Finance. After I graduated I worked in the financial planning field for several years then decided to return to school.

I received my master’s degree in Personal Financial Planning from Texas Tech University.

I am a CERTIFIED FINANCIAL PLANNER professional and an Accredited Financial Counselor.

I work at Utah Valley University in the Financial Planning program where I teach financial counseling courses and run our on-campus Money Management Resource Center.

I have been married to my beautiful wife Traci since 1999 and we have five wonderful children.