Before I built the 12 Steps to Financial Mastery, I was doing what most people do with money — trying to earn more, spend smarter, and “figure it out later.”

I spent years guessing my way through budgeting, avoiding my debt, and saving whatever was left over — only to feel stressed every month.

To make it worse, I didn’t understand credit, taxes overwhelmed me, and investing felt like a game for rich people.

And even when I did start making more money…

I still felt like I was falling behind. I was earning — but not building wealth.

It felt like I was stuck in a loop I never signed up for.

That’s when I stepped back, simplified everything, and started building a system — one that actually works, even if you’re busy, inconsistent, or overwhelmed.

After years of refining, I built the 12-step framework I wish someone handed me a decade ago — a repeatable system to track your money, eliminate debt, build wealth, and create financial peace.

And the results speak for themselves: I’ve helped dozens of families get back in control and finally feel confident with their money.