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      <image:caption>* Certified Ramsey Solutions Master Financial Coach * Certified Small Group Facilitator of Compass, finances God's way * Member of Christian Stewardship Network I grew up experiencing financial difficulty as I spent my childhood in South Korea, England and New Jersey. I graduated with a degree in history with school loans from the University of Chicago and made some stupid decisions buying things I couldn't afford before starting my first job as a history teacher. Later on, I completed my Master of Divinity from Princeton Theological Seminary without incurring any additional debt by taking on two part-time jobs while studying full-time. I have been serving as a pastor in Bergen County, New Jersey since 1999 and have been doing financial counseling as an avid evangelist of financial stewardship and everything Dave Ramsey since 2008. I love helping people move from having great intentions to actually positioning themselves toward financial peace, independence and generosity. I am a certified Ramsey Solutions Master Financial Coach (daveramsey.com/coaching), a certified Small Group Facilitator of Compass (compass1.org), finances God's way, and a member of Christian Stewardship Network (christianstewardshipnetwork.com). When I am not serving as a pastor or coaching my clients, I enjoy jogging or walking while listening to a good audiobook or podcast on personal finance or stewardship. I am an avid learner of everything Dave Ramsey, Crown Financial, Compass, and Ron Blue to podcasts and books on personal finance, financial independence, biblical financial stewardship, generosity and more. I am happily married with three children, and we seek to grow as a family that honors God knowing that everything belongs to God and we are to manage God's blessings, God's way, for God's approval.</image:caption>
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