Vulnerable, Jobless, and Afraid

In January 2009 at the height of the financial crisis, I was a math and music teacher that suddenly lost his job. I had $4,000 in the bank and $42,000 in debt, including school, vehicle, credit card, and medical debt. Creditors would call daily, and angry letters threatening collections began to appear. I was worried and sleepless.

Losing your job and having lots of debt is a very lonely place to be.
Accepting Responsibility and Owning My Decisions
I struggled for months working as a substitute teacher by day, tutoring students at night, and working retail on the weekends just to keep up with the bills. When I finally got a full-time job again, I decided that I could not ignore my bad financial decisions any more, that I had to live better and get rid of this debt because I never wanted another creditor to call me again.
It is so stressful to live paycheck to paycheck, wondering if it will ever end.
Hard Work Pays (Debt) Off

I worked nearly every single day, weekdays and weekends, and adopted a lifestyle that was truly based on needs, not wants, because I knew I needed to get rid of the debts. I learned about how I built my bad habits and how to trade them for good ones. I studied accounting, finance, risk, and how the market operates. And over the next two and a half years, all $42,000 of debt owed was paid back.

Becoming debt-free is so liberating!

I'm Debt Free! Now what?

In spite of being debt-free, I had no wealth to speak of. If there was a big emergency, I was still in real trouble. So I kept working hard, saving what I earned, and began to invest. I saw that some of my friends were having similar challenges to what I had, so I began to coach them. I then realized that most people lacked information to make confident decisions about their personal finances. I decided it was time for the teacher to teach a new subject.

Financial freedom is achievable for all.  Briggs Financial is here to partner with you in making that a reality.

Briggs Financial is Open and Class is in Session!

Making financial decisions is intimidating. There is so much information out there, and not all of it is intended to help people make the best decisions for themselves. My goal is to guide and teach you about your finances. I have made many mistakes and worked through them, so I know the path that I teach because I have walked it myself. There is no judgment or negativity here - if you want to improve, I want to help. I want to empower you through sharing knowledge and conversation to make the best financial decisions for yourself.