Planning Persisting & Prospering
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Planning, Persisting and Prospering Expanded Edition is available in a paperback and kindle on Amazon, also Barnes and Noble, Books-a-Million, Walmart, Walden and Target.

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Having full control of our debt is essential in order to move towards a more financially independent life. Living a debt-free lifestyle creates a world of unimaginable opportunities along with a myriad of serendipitous experiences. By fostering and cultivating certain characteristics, one may simply then adopt the practices of:

● Living by a budget
● Abstaining from compulsive spending
● Paying off debt as frequently as resources

● And saving 5%-25% of one's income