Mine began as I sat across the table from my first job offer in the summer of 1999. As I confidently strolled out of the office, I glanced down at the benefit folder they had handed me. I figured I would look it over that night since it would only take a few minutes to go through.

It took me approximately twenty-seven seconds to realize this was not going to be an easy task. I had no idea what a 401K was.  Terms like “Out of Pocket Max” and “Deductible” sent me to the internet to try and find some answers. I was an arrogant twenty-year-old who had breezed through sports, college, and school in general, but at that moment I realized nothing had prepared me for this.  It was then I made a decision- I was going to learn everything I could about finance.