My name is Joseph Joslin and I’m 32 years old. I am a Marketing Management major at Western Governor’s University and I am very passionate about all things financial. Years ago I had lost my job due to the financial crisis of 2008 and was sleeping on a friends couch. My credit was terrible (below 520) and I had a 10 year old car with a broken a/c. I didn’t have too much hope for life in general at this time but I new one thing. I needed a huge change in my life. I had always been an avid reader and decided to start reading books for financial advice and tips for getting out of debt. Eventually I got a new job, fixed my credit (currently 775+), paid off my debt, and bought a brand new car with no money down (2014 Mazda 3). The reason why I started this blog is because I know there are millions of people just like me who have been or are in similar situations such as I was years ago. The purpose of this blog is to show YOU that there is light at the end of the tunnel and what steps to take to change your life. Your journey starts today!