When I was growing up, my dad was very frugal and taught me that all debt was bad and all investments are risky. While he meant well, I eventually learned that his advice was wrong. After working for years in a dead-end job to pay for college, I finally landed a good job with a 401K plan. This motivated me to start researching the world of money management, and I loved what I read about investing so much that I started investing on my own outside of my retirement account. I have had some investments lose value, but since I diversified them so much, any small losses are covered by gains in my other investments. I now enjoy the world of finance so much that I decided to start a blog to share money-management tips. I hope I can help you learn to manage your money wisely!