My wife and I were once in your shoes. We had a good income with no real idea where our money was going each month. I knew there had to be a way we could achieve our financial goals while still living a comfortable life now. I started researching and reading everything I could find about personal finance. Most of what I found was simple money techniques – that I already knew. We just weren’t doing it. From saving and investing to budgeting and debt, it was all familiar. 

Chris and Kate

Check out our story here. I made many of the same mistakes that you might have made. I had an “aha” moment that caused me to re-evaluate our finances. You can read more about it at the links below.


What made the difference for us was when I started budgeting and more importantly – sticking to it – because we had to. We paid off our debt – till all we had was the mortgage. We also cut up our credit cards (this was tough). 

Read more about my decision to cut up our credit cards here.

You can get control of your finances too. All it takes is some knowledge and willingness to make the hard choices. The knowledge you can get here. The heart and willingness has to come from you. I can’t give you that. I might be able to inspire you to action, but in the end the action has to come from you.


I have a wide variety of knowledge and experience. I have a B.S. degree in mechanical engineering. I’ve worked for the last 11 years as a designer and process engineer for a major industrial company. In this capacity, I’ve had research, manufacturing, and other technical positions within this company. I’ve spent most of my working life solving problems using an engineering, read – logical approach. As a result, this method has allowed me to “cut through the fluff”, and zero in on effective solutions. I’ve used a pragmatic (figure out what works) approach to solving some of my problems. 

Rule #1: The engineer is always right.

Rule #2: If the engineer is ever wrong – see rule #1.

I am a father of 3 great kids. My wife and I live in the mountains of central Pennsylvania. I enjoy hiking, camping, and biking . . . and of course – using my experience to solve financial problems.

You can contact me directly through the e-mail form. Note that this will not subscribe you to my blog.

My family picture