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About the application:

How it started I have an unusual method of looking at the globe. My wife, Sharon, says I'm weird, and, truthfully, I am weird. But there's a reason. Starting from nothing, by the time I was 26 I had a net worth of a tiny over a million dollars. I was making $250,000 a year. That's more than $20,000 a month net taxable income. I was really having fun. But 98% truth is a lie. That 2% can cause large issues, especially with $4 million in true estate. I had a lot of debt—a lot of short-term debt—and I'm the idiot who signed up for the trip. The short ver of the story is that debt caused us, over the course of two and a half years of fighting it, to lose everything. We didn't tell anyone what was going on, but if we had to do it once more, we would learn from the wisdom of others who have been through it. We soon learned that we were not the only ones at the bottom. Barbie and Ken (you know, the couple who appear to be perfect—perfect clothes, excellent vehicle, excellent house) are broke, and I don't take financial tip from broke people anymore.