Why Start This Site?

I’ve seen too many friends get deep into student loan debt and be struggling with their personal finances without reason. When implementing some simple financial and business principles in their lives most people can drastically change their financial landscape and improve every aspect of their lives. 

This site helps answer the question: “How do I start?” and “Where do I start?”

I struggled for 4 years in school not really knowing why I was drudging through college so that I could live the “american dream” and not my own dream.

How Much is the Average American’s Student Debt?

The average debt held by a student in the class of 2016 was $37,172 (1) and as that number continues to rise it’s a sign that something is wrong.

Many people think the only option to finance their educational pursuits is to take out debt or work a menial job to make money to go through School. That’s what everyone else is doing right? So we must need to do the same.

How Much Debt Did You Have Coming Out Of School?

I graduated with just shy of $25,000 in student loan debt, didn’t start paying it back for 2 years and it grew to over $27,000, took out a credit card with 7% interest and racked up a $4,000 bill, had a car lease which was eating me alive for the first 9 months after graduating, and was working a job earning just $1000 a month coming out of school.

In just 3 short years I was able to go from over $33,555 in debt to completely debt free and have over $10,000 in savings and assets while earning just above minimum wage.

If I can do it, so can you. You just have to get creative with how you attack your problems. Read more about My Personal Debt journey.

Now, I write about how to live a better life, debt free, and how to earn money online. Much of my content is geared towards millennial; however, anyone can take and use these principles to improve their own lives.


My mission is to improve the quality of life for my students, readers, and clients through the teaching of sound business and finance principles.

My vision to assist 1 million people around the world, drastically improve their lives through financial and business education.

So Who Am I?

My Name is Kristian, I spell it with a “K”. Currently I live in Austin Texas where I was born and raise. I moved away at the age of 17 to attend school in upstate New York, traveled to Hong Kong and Austria, and finally moved back in 2013.

That’s Me heading to Costa Rica! 2017, traveling down there for free while still deeply in debt.

I’ve been fortunate enough to be able to travel to Canada, China, Thailand, Macau, Philippines, France, Austria, Germany, Switzerland, Poland, Hungary, Belgium, Costa Rica, and Dubai in my short time here on earth.

My most enjoyable place I’ve been to has been Graz Austria. I just love the culture and the small town vibe that the city had to offer. The friendly people and the food was delicious. I was fortunate enough to go to one of the world famous Ztlotter chocolate factories and get a tour of how they make chocolate from scratch.

There have been many more wonderful places that I’ve been to along the way and many more that I’m imagining seeing in the near future.

Now I find I have an insatiable urger to travel, eat new and unique food, and explore cultures and languages along the way.

I very much enjoy reading and learning new languages when I visit another country. To date I can say “where is the toilet” and ” may I have a beer” in about 6 languages. If you ever see me coming to your neck of the woods then please feel free to buy me a beer and I will gladly regale you with tales of my travel 😉