I am 34 years old and am medically retired from the military. I was one of those guys when I left the military that liked the finer things in life. What I mean by that is, I liked to look like a had money with nice cars, fancy clothes, and spending sprees out on the town. A good friend of mine who has strong financial principles came to me one day and bascially embarrassed me. He said if continue spending at this rate you will be a broke guy when you retire. You are living for the now  and if emergency was to hit you today, you will not be prepared for it. After I going through this painful financial transformation, I also found my passion in life. I actually found out that I love the subject of money. I made a goal that day, that I will not only transform my life but also anyone elso who is interested. So join me on my journey to financial freedom.