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From single parent to married again...Virtual HS Spanish teacher in her 24th year and auto worker husband are approaching NW millionaire status and just paid off their home. They each went through tough divorces with spouses who never got on the same page financially. After both went through tough financial issues in their first marriages, they wanted their lives to look different in chapter two.  

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Greg is a proud graduate of the University of Wisconsin (Madison) and has settled in Colorado after studying abroad and moving back to the states. Greg was able to buy his first house from an amazing program that enables teachers to buy a home for 50% of the listed price via the "Teacher Next Door Program".  Greg and his wife enjoy frugal living and taking advantage of the amazing 457(b) that many teachers have access to.  This will enable them to enjoy an early retirement. 

"Because teachers play a vital role in community revitalization, HUD provides a significant incentive through the Good Neighbor Next Door Program. This program offers eligible teachers the opportunity to purchase a home at a remarkable 50% discount off the list price. However, it’s important to note that the availability of Good Neighbor Homes is extremely limited. While specific restrictions apply to this program, they do not affect other homes purchased through the Teacher Next Door Program, which offers additional benefits like grants and mortgage assistance to help teachers achieve homeownership."

https://www.hud.gov/program_offices/housing/sfh/reo/goodn/gnndabot

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Today's guest is Justin Garritt, he is the founder and owner of Garritt Financial Solutions, a financial planning and investment management firm that guides educators, young professionals, healthcare professionals, and first responders to become intentional, secure, and confident about their hard-earned dollars by creating and implementing a financial plan to reach their goals. 

Garritt Financial Solutions offers ongoing comprehensive financial planning, project-based financial planning, student loan planning, and investment management.

He and his team work out of Baltimore MD, but serve clients virtually around the country. 

Justin's team's website: https://garrittfinancialsolutions.com

Click here to schedule a discovery call with Justin's team.

Previous FIT Episodes with Justin:

Episode 137

Episode 95

Episode 44

Episode 12

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Danny was a special teacher in Georgia and is the author of four personal finance books - "The Wealthy Teacher: Lessons for Prospering on a School Teacher's Salary (JAN 2018), "A Bright Financial Future: Teaching Kids About Money Pre-K through College for Life-Long Success" (SEPT 2014), "A Simple Book of Financial Wisdom: Teach Yourself (and Your Kids) How to Live Wealthy with Little Money" (SEPT 2011) and "How To Survive (and perhaps thrive) On A Teacher's Salary" (OCT 2007). 

Danny's everyday approach to managing money has led him to appear on over 50 television shows including Fox & Friends, Fox News Channel's Happening Now, The CBS Early Show, CNN's Newsroom, HLN's Weekend Express, The 700 Club, CNN's Your Bottom Line, Fox News Channels' America's News HQ, ABC News Now, Fox Business Network's Varney & Company, HLN's The Clark Howard Show and MSNBC Live. He has also been interviewed on over 600 radio shows and featured in numerous publications including Yahoo.com, Money Magazine, CBS MoneyWatch.com, FoxBusiness.com, The Atlanta Journal Constitution, ABCNews.com, Woman's Day, Consumer Reports, CNN.com, Forbes.com and The Huffington Post.

Danny wants to show others if this school teacher can do well with money, they can too. He is living proof that a family can live wealthy on little money.

To learn more about Danny please visit www.wealthyteacher.weebly.com

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Charlotte and her husband grew up on Long Island in NY.  Floundering with their finances into their mid 30's with a few young kids at home, they decided to flee NY for a most cost effective lifestyle in SW Ohio.  Selling their home in a HCOL enabled them to pay off their debt AND pay cash for a house north of Cincinnati. Shortly after their move, they were introduced to Dave Ramsey's 7 Baby Steps and worked through the process in 7 years. Charlotte didn't start teaching in the classroom until 38 but has retired at 50 (along with her husband).  From Ramsey to FIRE, this couple has made big moves and already have their 20 something children on the path to financial independence as well.

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The FIT Family tree is growing! Brendan is a Durham NC history teacher who is a former student and colleague of a previous FIT guest. Inspired by his former teacher/coworker, he went from saving money to understanding the basics of the stock market and the power of a Roth IRA and becoming an investor. Brendan has maxed out all NC pay scale upgrades by becoming a National Board Certified teacher and was fortunate to be locked into to masters pay. 

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Ryan was a teacher in Colorado but retired early at 50 years old. In this episode, he discusses what it is like to retire early when all of your friends and spouse are still working. Ryan believes in a philosophy that he calls "more F money"...Fun, Future, and Philanthropy. 

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Brendan has been a math teacher for over a decade in the Baltimore City Schools.  Growing up in the suburbs of Philly, he found plenty of opportunity in Baltimore as a teacher and now teacher/coach. With a salary of over 120k, he will discuss maximizing the opportunities that are available to educators and how to take advantage of them.

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How much money do you need to have per month for retirement? On this episode, Chad lays out his plan, numbers, and thought process. 

Chad and his wife are both NC educators. Chad grew up on government assistance in a one bedroom apartment in NYC before moving to NC to teach world history. Through all of the trials and tribulations, these two NC educators are approaching a two million dollar net worth (no inheritance and no lotto winnings). 

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As teachers, we often say, "there is no such thing as a dumb question"...unfortunately, many Americans are struggling financially and don't ask for help.  In this episode, we look at some of the basic questions Americans don't ask but should. 

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