In school, we are fortunate to receive the lesson before the test, yet life chooses to teach us differently. We are often left to learn personal finance on our own unless we are fortunate enough to have parents that teach us sound practices, yet many parents repeat the lessons that they were taught, and most did not get much in the form of education on personal finance.

While earning my Master’s in Accountancy and eventually becoming a CPA, I accumulated $47,500 in student loan debt. This debt sparked a fire within me to learn personal finance and apply the principles. Working on audits and client engagements for banks, insurance companies, title loan companies, 401k plans, and pension plans provided unique perspective on personal finance, that when combined with my own self education, led me to create the H.A.I.T. Budgeting Technique, which I used to pay-off $40,000 in student loan debt in 4 years without picking up a second job and on less than a $60k salary. I then started teaching friends the same, and noticed great results in the finances of those who chose to apply the strategies.

After paying off this mountain of debt, I have worked with individuals and couples to help them improve their finances through coaching and seminars. I have also built my real estate business. In doing so, I’ve been able to help individuals increase their passive income while providing a home away from home to patients and medical professionals visiting the Texas Medical Center.