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Get Out Of Debt

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this is a Blog that teaches you how to live a debt free and healthy life.

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These are the EXACT same steps I used to PERMANENTLY get rid of my mortgage, student loans, credit card debt, and auto loan debt.

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25 years of experience advising individuals and households just like yours has taught me first hand some of the biggest mistakes that people make over and over again with their finances and health:

  • If your finances are messed up, you are going to have a hard life
  • If your health is messed up, you are going to have a hard life
  • If you have poor habits, you are going to have a hard life
Are you making common errors with your finances and health that are just mucking up your life?
What if these errors are fixable allowing you to experience a debt free and healthy lifestyle?
Let’s get these basic things right, so you can transform yourself and achieve your goals.


What I will tell you is that life is so much better if you are debt free and healthy.  It is a life that brings peace of mind, boundless energy, confidence, and overall happiness.  I am obsessively passionate about it and my mission it to help you live the debt free and healthy lifestyle.



I earned my financial credentials in a never-ending pursuit of mastering personal finance with an MBA in finance and an undergraduate degree in accounting.  I’m a Certified Public Accountant (CPA) and a Certified Financial Planner (CFP®).  I’m an author, a husband, a dad to several rescue dogs, and a CEO of a private wealth management firm.


I grew up in the 1970’s and 1980’s in Niagara Falls, New York which is a blue collar city on the western end of New York right on the Canadian border.  I did not grow up with money.  I was raised in a family with 6 children.  For a period of time, my great-grandmother even lived with us.  The 9 of us would have to share a single bathroom.  My father was a union electrician who worked commercial construction jobs often in chemical plants with hazardous materials.  My mother was a stay-at-home Mom but was educated as a nurse.  Living on a single inconsistent construction paycheck was no easy task for my parents.

Below is a picture of my childhood home.

To earn additional income, my parents opened and operated a bait and tackle store as we lived extremely close to the lower Niagara River across from the Canadian border.  That’s where I got my first taste of hands-on business experience.  We sold worms, crabs, leeches, minnows, grubs and fishing tackle.  I was the kid who got on the school bus while other kids yelled, “WORMS!”

I swore to myself that I would be financially secure when I got older and the main step to becoming financially secure is to become debt free.  I wasn’t quite sure how that would work but I was willing to do whatever it took to learn more about money and personal finance.  So, if a kid who sold worms and went to state schools can figure out how to live a debt free and financially secure life, so can you.


I’ve experienced all kinds of extremes in my health journey. I went from being a tiny kid in high school where I only weighed 110 lbs. to being 220 lbs., unhealthy and completely out of shape.    I’ve lived with high cholesterol, high blood pressure, ulcers, having no energy, being completely addicted to sugar and sodas, along with bouts of anger, frustration, and depression.  Yet, through persistence and perseverance, I also found the path to sustainable health and wellness backed by proven principles of success. I learned how to go from a 220 lb. unhealthy, financially stressed, anxious, and unhappy CPA, to a guy with boundless energy and excitement for life.

To make that change required new knowledge and information.  But it also required a new set of beliefs along with the appropriate processes and habits required for physical transformation.  The great news is that is if I could find that path, so can you!

The picture below was taken with my Dad in February of 1996.

The picture below was taken in 2001 and I am on the right with the blue shirt.  I can tell you that fishing was the only exercise I was getting.

The pictures below were taken at different times between 2006 and 2010 during my years of Ironman Triathlon.

I want to teach you the EXACT steps I took that transformed me from broke, unhealthy, and unhappy to debt free, financially secure, healthy, and happy. The good news is that it doesn’t require extreme efforts like becoming an Ironman to become healthy.  That was just the course I chose based on my love for the sport and having incredible levels of energy and optimal health.

“If you do not change direction, you may end up where you are headed.” Lao Tzu

Don’t get me wrong, change is hard.  Change takes work.  Change is uncertain.  But it’s so worth it and I never want to go back to my old self.

Are You Ready To Take The Real, Life Changing Steps For Living A Debt Free And Healthy Life?

The first step is helping you obtain the right information and knowledge that is needed to make the change.  The second step is to assist you in assembling the correct processes and procedures that will help you achieve a debt free and healthy life.  The third step is to help you with the techniques to change your habits and behaviors.

Most people never build the foundations that lead to a debt free and healthy life which ultimately leads to a life filled with daily stress and anxiety.  I teach proven processes based on timeless principles that results in being financially stable, being healthier, and living a happier life.

I am providing you with the exact steps that have helped myself and others reach a debt free and healthy life.  I’ll deliver the information and explain it in a way that you can easily understand and implement it in your own life.  The website and blog allows you to learn at your own pace, implementing what you find most applicable to you in the current phase of your life.

My experiences have taught me that wealth can impact your health and happiness as much as health and happiness can impact your wealth.  They tend to interrelate with some interesting connections.


Download Your FREE Ebook Now

These are the EXACT same steps I used to PERMANENTLY get rid of my mortgage, student loans, credit card debt, and auto loan debt.

100% FREE: Download Now