Welcome to my personal financefocused channel, where I apply critical thinking and analysis to every topic as I learn about them. Just like many of you, I started my personal finance journey as an average Joe, completely unaware of the complexities of personal finance planning. My professional background lies in energy systems modeling, but it's my passion for selfimprovement that brought me to the world of personal finance and I want to build tools and help people improve their finances and mine too along the way!