ABOUT

I can still remember the feeling of looking at my student loan debt for the first time. Despite paying around $150 per month for the last two years of college and paying cash for my last semester I owed over $62,000. It was overwhelming. It was then that I began to focus on my finances and looking back 12 years later, what a difference it has made.

S&M Financial was formed after years of working on my own personal finances. The past decade my wife and I have greatly changed our finances by intentionally saving, spending, and investing. Despite making some financial mistakes in our mid 20’s, we learned from those mistakes. At the age of 32 my wife and I became debt free, except for our mortgage. We have greatly increased our savings and investments during that time and we are no longer stressed out about money.

I believe everyone should experience the peace that my wife and I now have with our finances. If you are ready to improve your finances and reduce stress around managing money let me know. I can help, I want to help.