I want to help you dominate money and dominate work so you can BREAK FREE in pursuit of your passion.
Hi! I’m Dan, and I’m a former debter who screwed up and went $50,000 in debt just so I can help you not do the same (ya right)… if you did the same thing as me, then I want to help you recover.
In 2006, I reached my breaking point when I realized I wasn’t in control of my life; I was heavily in debt and unfulfilled in work. Since then, I’ve fought my way out of debt and created a plan to help you do the same. BREAK FREE is part of my commitment to to help you do the same.
Why should you read BREAK FREE?
I don’t pretend to be the genius behind the computer who knows it all. I’ve worked very hard to do well financially and follow the strategies I discuss. These are proven strategies, not all of which I can take credit for. I’ve collected many ideas from great minds.
I fought my way out of debt and have substantially increased my income in the last several years. I plan on reaching ‘millionaire status’ and am exploring ways to get there faster by making money doing what I love. I love helping people in their fight for financial security and doing what they love.
I’ve spent the last four years reading more than 100 books on various subjects to help me get there. I enjoy books on history, philosophy, science, money, and more. Every book I read, I take notes and try to apply its lessons to my life. My advice isn’t theoretical, it’s the real deal.
I graduated from Oklahoma State University in 2004 with a degree in Finance and a minor in Economics. I paid for about half of my college with scholarships and work and the rest was covered with parent and students loans as well as credit cards.
Still, on paper I should have been in good shape when I graduated. However, after four years of learning how to manage money, I fell into more and more debt, making my background in finance personally irrelevant. I hope to stop others, especially recent college graduates, from making the same decisions.
I grew up in Tulsa, OK with three older brothers and awesome parents whose goals were to make sure we had everything we needed. That included plenty of outdoor fun at the lake and various other hiking trails, involvement in almost every sport a young kid can play, and enough love and attention to go around.
However, that doesn’t mean we got everything we wanted. With four growing boys to feed and clothe, my parents had to make sacrifices to make sure there wasn’t too much month at the end of their money. We didn’t go on expensive vacations, and going out to eat meant a monthly trip to McDonald’s. We were the typical blue-collar American family.
Luckily, in the 1990s in Tulsa, it was easy to be a normal kid even if you couldn’t afford the latest trends. In fact, I most often wore hand-me-downs from my three older brothers – which were mostly hand-me-downs from other families!
My dad had a lot of near misses in his search for wealth. A physics scholarship took him to Purdue, but soon after he ran out of money and the lack of support from his parents didn’t help. He dropped out of college because he had to take care of his brother who got in a life-threatening car wreck and was then drafted into the military during Vietnam.
He returned to the states after he served his country and started building houses in the early 1980s. He built three homes just as interest rates jumped to the high teens and shortly after his bank loans were called. The steel mills were closing, leaving very few jobs in Indiana where we lived.
With four children and not knowing a soul, my parents moved us to Tulsa, OK in hopes of a brighter future. They hauled everything they owned including our family of six in two cars and a trailer. Tulsa had been a booming oil town, but it went bust just as my parents moved us down.
My dad applied to a number of jobs before finding one at the Pepsi plant. My parents tell me being broke was an understatement, but they never gave up. For my parents, it wasn’t about what they could or could not buy their children; it was about family. They made sure my brothers and I knew what was important in life.
One of those important things I learned early on was work! My first major purchase would be a car, so I got my first job at age 14 at a trophy shop, and I also started mowing lawns. I purchased my first truck at age 16 with the $2,100 I saved the previous two years.
My work continued all through high school when I worked for my dad who was the maintenance supervisor at my high school, and later moved on to installing fire alarm systems. This also motivated me to work hard and attain a college degree.
Ok, maybe it wasn’t just the work that motivated me to go on to college. As I worked for the maintenance crew after school, I also had some duties that weren’t real cool. I still remember one of those in particular…
It had to be the low point of my high school life. The high school janitor called in sick and there wasn’t anyone left to fill in. So there I was, cleaning the same bathroom that my friends and I used earlier in the day. It couldn’t get any worse.
Oh wait, it could. It turns out the high school cheerleaders were staying late that particular evening. As I was finishing up cleaning the men’s bathroom, I rolled the janitor cart out into the lobby where they were all making signs for the football players. I was humiliated. There was no way I’d go on a date with them any time soon!
However, it only increased my hunger to be rich – not knowing what that meant at the time, but I did want my first million by 26. Four years later as I graduated college with my finance degree in hand, I thought I was set. Everything was aligned for me – the hunger to be rich, the history of growing up not rich, and the education and family to back it all up.
After I graduated from Oklahoma State University in 2004, I received a job offer with a great starting salary from a consulting firm. The only problem was the $21,000 in student loans and $4,000 in credit card debt that I already accumulated while in college. The rest of the journey is well chronicled on the blog.
If you’re interested in reading more, start here.
Disclosure time. The blogs and articles on this page are based on my research and personal opinion. I am not a certified financial advisor and I am not at fault for anything bad that might happen as a result of your following the advice on this blog. However, hopefully only good things will happen anyway!