Introduction
On April 20, 2006, when my son was roughly six months old, I realized that we didn’t have enough money to pay our bills. It was shocking and incredibly painful. Although I had come to some valuable realizations already, the fact that we didn’t have enough money to make ends meet, and we had tens of thousands of dollars in credit card debt, student loan debt, car loans, and a bunch of financed furniture and equipment in our home, meant that something had to change. Now.
I buried myself in personal finance books, coupling them with the philosophy and economics books I had already been reading. Over the next few months, I started to take some radical steps to fix our financial state.
More importantly, I began to realize that this entire ...
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