In 2012 while practicing law as an Assistant Attorney General, James was falling deeper into debt even while earning an above average salary. There always seemed to be “too much month at the end of the money.”

Being stressed and depressed about it, he did what many people have done and took a Dave Ramsey course, but couldn’t get past Step 1, which is “Save $1,000 for an Emergency Fund.” He was already having an emergency! He couldn’t save extra when there wasn’t any extra to save. He had a negative cash flow (more going out than coming in).

He sat down at his desk, printed out several months of bank and credit card statements, and started looking at every dollar that left his accounts. He started with his law school student loan payments, which totaled $1,600 a month and a total loan balance of $176,000. In addition to the student loans, he had four maxed out credit cards and an overall total debt amount well over $200,000.
That was where his journey started. Over the next several years, James spent countless hours researching and learning about the concept of cash flow and how you can not only have a positive cash flow, but also grow it. He read book after book and watched webinar after webinar, gaining all the knowledge he could.

Three and a half years later James found himself coaching over 20,000 people in Dallas Cowboys Stadium on how he had eliminated nearly $200,000 of debt including four maxed out credit cards, three student loans, and a personal bank loan using the knowledge he had gained through his research. Now he enjoys passing it all on to others!