Background: Since a mid-life crisis at 18 (I’m out of time!), I’ve been demanding the most out of life. As a big picture, analytical guy with an idealistic bent and theological underpinnings, I have a neurosis for evaluating every thing I do. What’s bad for me, is good for you! As a budding sage (I’m very fragrant), self-proclaimed personal finance guru, strategic planner and youth minister, I’ve used and developed techniques (from my day and night job) that have worked for me and others and supplemented with the best of what else is out there.