SLR 080: Create A Living Masterpiece With Intention

Simple Life Reboot“A great artist can paint a great picture on a small canvas.” – Charles Dudley Warner

What does your life canvas look like?

Are you filling up your canvas quickly, with an array of colors assembled as an afterthought, or are you painting with intention?

When we act with intention, we exhibit a higher purpose, but does this mean we automatically produce a beautiful canvas, a beautiful life?

The beauty of your life is not for me, or anyone else, to define. You are a beautiful creation just as you are, right now.  No addition or subtraction can make you any less remarkable.  But…

The Life You Create Is Up To You

By taking certain actions, we determine certain outcomes.

The part of our lives that creates the beautiful brush strokes comes about every day through the deep love and caring we exhibit for one another.

By listening, spending time with, and caring for others, about their loves, their concerns, their hopes, their fears, and their dreams, we carefully and lovingly apply the paint across our canvas, and encourage others in creating a beautiful canvas of their own.

“The colors live a remarkable life of their own after they have been applied to the canvas.” – Edward Munch

Make It A Beautiful Life

Place the colors lovingly on your canvas, with intention, and your painting will flourish before the eye in brilliant splendor.

Love and care for others, with intention, and in the end you will produce a masterpiece, unique and unparalleled in history.

“My philosophy is that I’m an artist.  I perform an art not with a paint brush or a camera.  I perform with bodily movement.  Instead of exhibiting my art in a museum or a book or on a canvas, I exhibit my art in front of the multitudes.” – Steve Prefontaine


If you enjoyed this post,  please see Beautiful By Design and Your Life Depends on Your Creativity.


Originally posted on


SLR 078: Are You “in Control”? Try the Clutter Experiment!

Simple Life Reboot“Have nothing in your house that you do not know to be useful, or believe to be beautiful.” – William Morris

When Sheryl and I moved from our large colonial home to smaller accommodations next door, we found ourselves faced with the necessity of reducing our possessions.  After a couple of moving sales and multiple trips to charities, we had sold or given away about 85% of our belongings.

What we did not expect from the process was the resulting feeling of self-determination and liberation.  But why?  What was it about the stuff we had accumulated around us, that over time, had begun to hold us captive?


According to psychologists, excessive clutter can be caused by or can cause flawed thinking.

Clutter can also be a symptom of seeking to control our environment.  Having more stuff sometimes gives us the false sense of having more options so as to have greater control over future events.

If you doubt this,  please consider:  How many of us have hung onto an inconvenient, unused item believing that “I might need this someday,” or “This might be worth something someday?”

According to Dr. Simon Rego, director of psychology training at Montefiore Medical Center in Bronx, N.Y., a healthy approach to letting go of unneeded items is to substitute the fearful thought with intentional action that might benefit another,  as “Somebody else could use this now, so I will give it away.”

What we discover is that retaining the unused item does not give us control or well-being, but rather hanging on to the item holds us in the grip of burden, regret, shame or fear.  In contrast,  letting go of an item to benefit another gives us a sense of  self-mastery,  greater control over our environment, and improved well-being.

If you want to find out if this is true for you,  please try the following experiment:

Clutter Experiment

1)  Start becoming aware of the things around you that do not add to your life.  These may be items you have not paid attention to or used in the past 3 months.

2)  Start placing these items in a box, one by one, as you become aware of them.

3)  Discover over time how many of the items you retrieve from the box to use.

4)  After some period of time, sell, donate or discard the items in the box you have not retrieved.

5)  Then,  please report what you discover to your loved ones, and/or to us here at Simple Life Reboot.

Note:  Ryan Nicodemus (The Minimalists) tackled this problem in reverse order.  He placed virtually every item in his apartment in boxes.  When he needed an item, he would retrieve it. Check out the moving TEDx talk to hear the full story.


Originally posted on


SLR 076: A Shout Out for SimpleREV 2014!

Simple Life Reboot

Joshua Becker delivers opening remarks. Joel Zaslofsky and Dan & Vanessa Hayes in background, front row.

Having just returned from Minneapolis, Minnesota, U.S.A.  a heartfelt “THANK YOU!” to Joel Zaslofsky and Dan Hayes for putting together the first ever SimpleREV conference where folks from around the world came together to share stories and discuss how the simplicity/minimalism movement is changing lives and communities.

Sheryl and I were honored to speak.  We told our story of how we came to realize in May of 2013 that we needed to move from a life of chasing after more stuff, to a life enriched by quality experiences and deeper relationships.  Even though we had a great time telling our story at SimpleREV,  we were even more thrilled and inspired by others’ stories.

One of the many takeaways from the conference was this:  people in this simplicity/minimalism movement are well grounded folks seeking to serve others.  The spirit and passion conveyed by attendees was tempered only by their insight and wisdom.

Nobody embraces the simplicity/minimalism movement without having pondered the most basic and critically important questions regarding what makes life meaningful.  People, not things.

Bring simplicity folks together at a conference in a friendly city like Minneapolis, and what you get is several days of unforgettable stories, inspiration and long lasting friendships.

We were so honored to participate!

Again, thanks Joel and Dan!

And thanks to all the volunteers that made this great event possible!


Originally posted on

SLR 074: Why Roughing It Can Be So Much Fun!

Simple Life RebootLike many, I spend my fair share of time and effort trying to avoid physical discomfort. An example would be my strong preference for a comfortable bed.  So, why do I fondly remember sleeping on that bumpy mattress jammed in the back of our car on that California trip?    (Read:  The Trip That Changed Everything!)

Maybe because life is an adventure, from beginning to end.  Those moments in life that offer less than comfortable circumstances, can also prove to amplify the experience and transform us if we let them.

Our family often jokes about “embracing the horror”.  This is our way of encouraging one another to accept an unpleasant condition for a greater purpose.  Sometimes it works, and sometimes it’s a failure.  But – when it does work… it can be pure joy to experience.

The D.C. Downpour

In late summer 2008, we traveled to Washington, D.C., on a family vacation. The plan was to see as much of our nation’s capitol over three days,  then rent a car and head south to visit historic sites.

We took the subway from the airport to our rental.  Emerging from the subway, we walked 7 sketchy blocks to find the little house.  As we arrived, a huge thunderstorm broke.

We all scurried inside to escape the downpour. Within seconds, our second oldest son turned around and stepped back out into the rain.  We all stood watching, perplexed.

It didn’t take long before his younger brother ran out to join him.  After all, what’s a little rain on a warm summer day on the trip of a lifetime?  They wanted to experience it all, even the rain.


We all enjoy smooth sailing, but think about what might be gained if we were willing to embrace less comfortable circumstances.  Is a rough patch all that separates us from the life we seek to live?   (Read:  The Challenge to Change)

As we get older, many of us tend to avoid discomfort like the plague.  We perceive this as responsible, mature behavior.  But maybe there is something to be learned from those youngsters who were more concerned about the experience than the associated temporary discomfort.

Watching my sons cavort in that D.C. downpour spoke to me about my approach to life.  I decided to embrace the moment in all its fullness… so I did what any responsible father would do…. I joined them!Simple Life Reboot



Originally posted on



SLR 072: The 5 Essentials of Being Nimble

Simple Life RebootNimbleness is the ability to pivot, to adapt to new circumstances and keep moving.  It is achieved, primarily, through the creation of margin in our lives.

In this fast-paced, unpredictable world, our ability to remain calm, constant, and in control is in direct proportion to the resources and options we can muster at any given time.

So, to be nimble, create margin in your life in the following 5 essential areas:

1)    Financial margin

Financial margin occurs when you can pay all of your monthly obligations and still have funds left over to put towards long-term goals, including the all-important emergency fund (a savings account built up as quickly as you can reasonably accomplish – the equivalent of 3 months of income – with the goal being at least 6 months set aside).

Having financial margin is a liberating thing!  But achieving it is not always easy.

Far too many of us have saddled ourselves with homes, possessions and other obligations which are greater than what we need or perhaps, can afford.   While they might seem like a desirable possession, they can become more of a burden than a blessing.

The good news! 

Financial margin is possible!  Getting out of the habit of overspending  is achievable!  It may take some time, but you can begin making progress TODAY.

For information on what options are available, we encourage you check out   We like Dave’s philosophy, his approach, and his practical advice.  We get nothing from you going to his site, except the satisfaction that we have steered you to a resource that changes lives.

Addressing the problem of financial margin is a MUST in order to become nimble.  For too many people, a big mortgage or student debt may be the main culprit, but other problem areas can exist,  like eating out too often, or buying items we don’t really need.  These things sap our finances, time and energy.  Many of us spend money on stuff that makes us feel better short-term. It is a temporary salve we apply to the worry, pain, and stress we feel.  It’s not a fun place to be, but we don’t have to accept it as a permanent condition.  Once we recognize the problem, and that there is a clear way out, it is only a matter of time – we WILL muster the willpower to extract ourselves from the overspending prison we’ve constructed for ourselves.

DO IT…for yourself, and for your family!
2.  Time Margin

Simply stated, time margin occurs by limiting obligations and by reducing activities that are not constructive or restorative.

For many of us, debt determines our workload.  Working longer hours may be taken on to pay down debt. Unfortunately, what often happens is that as we earn more, we spend more, defeating the original purpose of working the increased hours.

To achieve time margin, we must have the ability to easily pay our monthly obligations without overworking. 

Lower your monthly obligations until the above-mentioned condition becomes true. Then, you will have more resources for the things that matter most.

3)    Energy margin

Our bodies are biological engines.  Understanding the mechanics of these miraculous machines informs us as to why we might be low on energy, and what we must do to generate more.

If you are like most people, your energy reserves are constantly running down.  Building an energy reserve can be a challenge.  We can create an energy reserve by working on 5 key areas:  sleep, fuel, muscle strength/endurance, core endurance, and metabolism.

Sleep – Far too many people skimp on sleep in order to get in some “play” time.  We seek distraction from the day’s fatigue.  But increasingly, we sacrifice sleep to get our distraction fix.  We then end up even more fatigued and  unable to perform well, often needing to work longer hours to accomplish the same work.  The vicious cycle then repeats.  Staying up late also leads to a more sedentary lifestyle as we become more tired and sleep deprived.  We can also put on weight when we eat a second meal late at night before we finally go to bed, or snack during the day to “prop” us up when feeling short on energy.

Fuel – Many of us fail to eat nourishing food, whether due to fatigue, time pressures, or due to a short-term craving.  In addition, we routinely trade the time it takes to prepare healthy food for a diversionary activity, necessitating the consumption of something “easy”.  Sheryl and I have both struggled with these challenges.  But what we have found is that with a small amount of effort, and a modicum of planning, preparing and eating a good meal is possible.  Our taste buds and habits adapt quicker than one might think.  And when we stop dumping garbage into our engines, we begin to see and feel the results – a contented body happily purring along.  Take the time and effort to put high-quality fuel into your engine, and enjoy new-found energy!

Muscle Strength/Endurance/Core/Metabolism – Our bodies achieve the greatest health and balance doing physical work.  Without regular exercise, our muscles shrink in size, strength and endurance.

I often imagine my body responding like electrons do as they move between levels.  Electrons orbit the nucleus, and only exist in incremental energy states, or levels.  The higher the energy input to the atom, the more levels the electrons jump.  But the electrons can also act rather “resistant” in that they really don’t like to get excited.  After reaching the higher energy state, they soon drop back down to the lower level where they started, unless some additional energy influx occurs.

Muscles reach higher levels of potential in much the same way.  The more energy we put in, the stronger they become.  But muscles are not electrons, and can only strengthen so fast. The energy we apply to them, the load, the reps, the sets, must increase or intensify in small increments over time.  If our muscles never get worked, they remain in their lowest potential state, requiring little input of energy to operate.  But in this lower energy state, they never demonstrate their extraordinary potential.

To achieve energy margin, we must build up our body’s reserves by strengthening our muscle potential.  If we do this, our body is prepared to walk a long distance,  lift a heavy load, or engage in physical work or play, as circumstances arise.

4)    Learning margin

When under stress, whether it be financial, time related, or any number of circumstances we face on a daily basis, we tend to function in survival mode.  Under stress we become careful, reactive, and perhaps fearful.  To be open to learning new things, we must feel safe and secure.  Creating margin in our lives affords us the time, and the safety, that permits us to read, study, and absorb new  knowledge.  With margin, we thrive, and enjoy virtuous cycles of growth, satisfaction and higher capacity to learn.

5)    Emotional margin

When we lack margin in the 4 essential areas listed above,  we experience a loss of personal power.  We might even feel out of control, beset or even desperate.  This state can eventually lead to emotional debilitation and an inability to enjoy relationships and experiences.  We may also become isolated and emotionally numb.

When we create margin in these areas, however, particularly with finances, we can enjoy the moment and envision a better tomorrow. We experience new possibilities and have a greater capacity for generosity and thankfulness.  We feel in control, that we are making progress.  In this environment of having margin, we become nimble.

The Power of Nimble

When we foster the 5 essentials of being nimble, our relationships thrive, because we are safer and more secure.  We are no longer in survival mode, but rather in flourish mode.

Now, that’s true power…the ability to meet the challenges of life and make a positive difference in the lives of those we love.


Originally posted on



SLR 071: The Value of Nimble

Simple Life RebootThe oldest and strongest emotion of mankind is fear, and the oldest and strongest kind of fear is fear of the unknown.
–H.P. Lovecraft

Change is something people have always resisted. It’s something we fear and try to avoid, even knowing it is inevitable, part of life, itself.

Today, change is occurring at a pace never before seen in history, making it virtually impossible to predict the future. Whether it’s the work we do, the products we buy or produce, or the laws we rely upon, the life we lead increasingly resembles a Picasso painting rather than a paint-by-numbers.

It seems we have created a world of disruptive innovation, a term coined by Clayton M. Christensen, in his book, “The Innovator’s Dilemma”.

Disruptive Innovation:  A process by which a product or service takes root initially in simple applications at the bottom of a market and then relentlessly moves up market, eventually displacing established competitors.

And while such an economy is dynamic and exciting, it seems no sector is safe, not lawyers, doctors, accountants, or taxi drivers. While change has always been part of our economy, creating new products, new companies being formed, the difference, now, is that the speed at which products, companies, and even whole sectors, are displaced, is outstripping our capacity to react and to cope.

So, what is the solution?

Our ability to adapt, to pivot quickly when circumstances dictate, has never been more needed than it is today.

Consider what mind scientist John Medina says about human history and our ability to adapt:

“How, then, did we go from such a wobbly, fragile minority population to a staggering tide of humanity 7 billion strong and growing? There is only one way. You give up on stability. You don’t try to beat back the changes. You begin not to care about consistency within a given habitat, because such consistency isn’t an option. You adapt to variation itself.”

Being Nimble

We believe that personal and financial nimbleness is a key factor in determining to what degree we retain control over our circumstances, and still maintain the level of safety and security we desire.

Nimbleness occurs when we have fewer physical, emotional, and financial obligations, weighing us down, when we are able to pivot and keep moving without losing momentum and power. When we have the time and inclination to learn, to think, and to grow.

As a practical matter, being nimble looks like this.

The 10 Qualities of Being Nimble

1)    Financial margin
2)    Time margin
3)    Energy margin
4)    Learning margin
5)    Career margin
6)    Family margin
7)    Living-Space margin
8)    Physical margin
9)    Emotional margin
10) Vocational margin

In our list, financial margin comes first, because without it, the other goals become more difficult to achieve. With financial margin, however, the other qualities become easier to reach.

If you are feeling overwhelmed by life, by debt, by the sheer speed at which the world is changing, you are not alone. We believe the steps we can take to become happier and more adaptable in this environment, includes understanding and adopting the 10 qualities of being nimble.


Originally posted on

SLR 068: Five Unexpected Benefits of Simplifying

Simple Life Reboot picSheryl and I have been talking lately about some of the unexpected benefits of our decision to simplify our lives.

It was just 15 short months ago that we undertook The Trip that Changed Everything, our 10-day tour of the California coastline between Santa Cruz and Santa Barbara.   Meandering south along Highway 1, listening to podcasts on simplifying and on living more intentionally, we came to that stunning realization;  it was time to change our lives, and in a pretty dramatic way.

We had no idea what to expect, what the consequences of simplifying would be.  We could not predict what obstacles we would face, or what benefits we might ultimately realize.

But the trip along the coastline forced us to ask an important question:  “How long had it been since we’d traveled together, just the two of us, going nowhere in particular?”  Oh, there were things we wanted to see along the coastal route, but the focus had shifted away from what “thing” we were traveling to see, and back on to “who” we were traveling with to see it…and just a hand hold away.

We were like school children let out on recess exploring a new playground.  For the first time in quite a few years, we remembered what it was like to simply enjoy each other’s company as we shared new experiences, in places we had never been before.  Bottom line, we were going to want to do this more often!  But how?

The problem, we began to realize, was in our having a life resources shortage.  While our resources were adequate,  they were already committed to “other” things.  We realized that we needed to create some breathing room.   Time, money, freedom, energy, capacity to plan ahead, or as it would soon be identified, margin.

After deciding the dream house we had been making our large monthly payments on for so many years was no longer serving our needs in the same way it once had, we put it on the market.  Well, it’s been a long slog, but we may soon have some exciting news for our audience.  Please, stay tuned.

So, as we get closer to making real progress on the expected benefits of simplifying, we thought it would be helpful to mention a few of the unexpected benefits we have discovered along the way.

1)  Inspiring Others

What a privilege it has been, and continues to be, to share our journey with you.  When Sheryl and I decided to embark on this new lifestyle of having less and living more,  we initially hesitated to talk to others about it.  But as we continued to listen to the inspiring stories of others, like Dan and Vanessa Hayes, of Simple Life Together, we began to realize that going public with the changes we were making, putting it out there for people to ponder, would not only keep us accountable, but might encourage others to start out on their own journey.

2)  Connecting with Others

We have made new friends, connecting with people we would never have connected with otherwise.  We have found that simplicity is an extraordinary tool for increasing interaction.  Our stuff had become a wall we’d put up between ourselves and others.

3)  More Energized and Adventurous

Since starting this journey to simplify, Sheryl and I have found we have more energy and enthusiasm in lots of new areas of life.  Working together to achieve our goals keeps us focused and in sync with each other, with deeper and more frequent communication.  We’ve begun taking, and plan to take, more trips like the one that started this whole thing in May of 2013.

4)  More Freedom to Pursue Our Entrepreneurial and Fitness Goals

Our personal and professional options continue to expand in areas we could not have foreseen.  With more options, of course, comes a higher degree of happiness and excitement about the future.

5)  Margin is a Cornerstone

We believe that increased margin is a key factor in the expansion of options.  Increasing margin is a cornerstone, making it possible to pursue goals, as well as to be in a position to help others pursue their goals.


We would love to hear how simplicity has changed you in unexpected ways.  Please be sure to drop us a line!


Originally posted on


SLR 066: The Designed Life of Michael Hyatt

Simple Life Reboot

Armosa Studios / WDS 2014

Sheryl and I have been influenced by a number of extraordinary thinkers on the subject of simplifying your life

to focus on what is important.  One person who has inspired us is Michael Hyatt , author of “Platform”, and online entrepreneur, who spoke recently at the World Domination Summit in Portland, Oregon, U.S.A.

Default Approaches

Michael’s talk entitled, “The Designed Life”, described three ways people often approach life.  There is the person who wanders along, letting life happen to him, the Drifting Life.  Then, there is the individual who prides himself on his ability to work harder, the Driven Life, often sacrificing relationships and other priorities.  The Driven Life status symbol is exhaustion.

Unfortunately, both of these approaches are more reactionary than intentional. Michael Hyatt went on to explain that living the “drifting” or “driven” life amounts to living life by default, letting circumstances dictate the result, limiting us and our legacy.

Designed Life

Michael went on to describe a better approach that he called, “The Designed Life”.  He described how critical it is that we be intentional about our life choices. This theme is fleshed out in Michael’s free e-book Creating Your Personal Life Plan, in which he states:

“…most people spend more time planning a one-week vacation than they spend planning their life”.


We are all so caught up in appearances, the kind of car we drive, how large of a house we live in, that we lose sight of the big picture.  According to Michael, what we should be asking ourselves is

  • “How will I be remembered?”
  • “What is really important to me?”
  •  “What single brave decision do I need to make today?”

These are questions that if asked, lead us to ponder what our impact is upon others, and in the pondering, to begin to act with more intention.

“The Designed Life” is a life that is not wasted, not hurried, and not selfish.  It is the life we were put here to live out.

At the end of his talk, Michael asked the audience, “How are you doing with what you have been given?

It’s one of those questions each of us already knows the answer to, almost without thinking.  The answer is different for each of us, and no one can answer for another.

Michael Hyatt was a joy to listen to.  He left the audience in Irene Schnitzer auditorium with two final thoughts.

“Life is a gift.”   &   “Do what matters!”


Originally posted on


SLR 064: The Longings of Our Heart

Simple Life Reboot Grandpuppy JaxWhat things do we need from others to feel our life has worth?

The answer to that question informs us about why material treasures so inadequately satisfy our most basic emotional needs.

Three emotional reservoirs are required in order to be happy.  They are the longings of our heart…

…to be known

…to be needed

…and to be loved

It is what a father needs from his children.  It is what a child needs from their father.  It is what a wife needs from her husband, and a husband from his wife.

Man needs nothing less from his Creator, but often searches for answers in the wrong places.

Certainly, our Creator desires nothing less from each of us, that we…

…know Him

…need Him

…and love Him

But too often we do not know Him because we do not seek to know.  We need Him only when it is convenient for us, and we fail to love Him as we seek first to be loved.

It is a self-centered approach, one that we all too often utilize with each other, as well.  I am convinced it is the underlying reason why many of us remain habitually unsatisfied throughout our lives.

Give it away, and receive abundantly in return.

Seek to know your son and daughter, and they will seek to know you.

Be vulnerable with your loved ones and recognize the enrichment they offer to your own life, and that you need them, and they will in time recognize the ways in which they need you, as well.

Be kind and loving to those around you, and find that with time they will love you with a more caring and open nature.

The longings of our heart will be answered when we realize that what we need from others they first need from us.

So, be the first to give.

“…whatever you did for the least among you, you did for me.”

Matthew 25:40

SLR 062: Cultivate Your Passion…With Margin!

Simple Life RebYou hear a lot of people talking these days about following your passion.  Too often this advice includes dropping everything to go after that one thing in life that “fulfills” you.  But what effect does “dropping everything”  have on the people who depend on you?

Following your passion is not something we advocate here at Simple Life Reboot.  We do, however, encourage you to adopt habits and principles that make it more likely you will cultivate your passion.  It’s why we talk so much about margin, …  but more about that in a moment.

What exactly does follow your passion mean?  Think about it, to follow something is to let it be in control.  It leads you.

In a recent exchange between Joshua Fields Millburn, of  The Minimalists, and Cal Newport, whose popular blog, Study Hacks, looks at the habits of people who lead successful, meaningful lives, Cal put it this way, “‘Follow’ implies that you discover the passion in advance then go match it to a job.  At which point, you’re done.”

Indeed, the whole concept of follow is tempting, drawing us in by suggesting we can throw caution to the wind, and listen to our muse, the internal voice that all “true artists” give themselves over to…..or do they?

I think a “true artist” becomes aware of the bigger framework within which all art is expressed, that life, itself, is the beautiful creation, and that every possible human expression contained within it is but a shallow reflection of the original vision.  Give credit where credit is due.  God made it possible for us to love before we were capable of other expression.

Cultivate… Don’t Follow

When you cultivate, rather than follow your passion, you control the machinery.  You manage the challenge before you.  Then, it becomes a process as you go about acquiring and developing the skills and qualities necessary to fulfill the potential.  You maintain control over how much the cultivation of your passion interferes with the rest of your life… and the rest of your life involves quite a bit of stuff.  Things like people, events, the work you do to sustain yourself and those around you.

So, this concept of cultivating your passion is a completely different approach than following your passion.   We must take ownership of our personal responsibilities first.

3 Ways Margin Allows Us To Cultivate Our Passion

Another important difference between following and cultivating our passion, is that one is a little desperate and unpredictable, offering a do-or-die kind of scenario, while the other can be conducted with a sense of peace and security, where life does not have to spiral out of control in the process.

Now, let’s take a look at margin as it relates to cultivating our passion.

Declining to live on the edge financially gives us an immense logistical and psychological power to achieve our long-term goals.

With Margin we can:

1)  Act with intention

2)  Monitor our progress

3)  Have the assurance that with time we will be successful – that time won’t run out because our resources do

So, if your monthly obligations are less than your monthly income, you are already one step closer to having the ability to cultivate your passion without ignoring the larger, more important framework within which everything else is expressed.

After all, the love and caring we have for each other is the truest and most beautiful artistic vision we can express, one that cannot be contained on a canvas or computer screen.


For more information about how to get out of debt and enjoy the benefits of margin, we recommend  Start by checking out The Seven Baby Steps.  If you like what you see, consider signing up for a basic course through Financial Peace University.


Originally posted on