My name is Michael James Oetting, I am a life-long coffee enthusiast. I’m in the process of trying to start a cafe and it’s been quite the experience. Along the way, I’ve had a few missteps and had to rethink some things. The bottom line is that there are no absolutes in life except death and taxes, and this is a collection of my financial wisdom, (with a tiny smidgen of politics and religion) which I’ve discovered during my rags to riches journey. I’m just trying to help people break the cycle of poverty that comes from poor financial decisions. There really is no reason to be poor (in this country at least) if a person is willing to educate themselves, learn self-control, and decide to stand on their own two feet.I hope you find some of my suggestions helpful.