In this episode you will hear Melvin talk about how he was born and raised in a small country in South America called Guyana which is north of Brazil and is bordered by Venezuela and Suriname.  Melvin migrated to the United States at the age of 13, he landed in Brooklyn, NY on a snowy Christmas Day 1993.  Melvin parents wanted to come to the promised land (U.S.) so they journeyed with one of Melvin's siblings 3 years before Melvin and his sister joined them.  Melvin's mom was a nurse working 12 hour shifts at night and his Dad worked in the police force and out of that Melvin observed very hard working parents but they were barely getting by financially.  Melvin did not receive any financial advice from his parents and realized that because money was tight he wasn't able to get the things that he wanted, he only received the things that he needed.  When Melvin was 17 years old he joined the Air Force which paid for his education towards becoming the Doctor that he is today.  Melvin did not start taking his finances serious until he had been in the Military about 10 years.  This is an interesting listen and has great lessons for everyone.

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