Ryan Luke

Ryan Luke is a father of three, a husband, finance blogger, and full-time police officer. Through proper budgeting and money management, they have been able to live off one income and build wealth at the same time. As an active member of the personal finance community, his goal is to educate and help people get out of debt and build wealth!

When It Pays To Use Credit Cards

Credit cards can be a great tool for earning rewards and cash back if used properly.  Unfortunately, according to NerdWallet.com, the average household that’s carrying credit card debt has a balance of $15,482.¹

Debt Is Financial Slavery!

There is a wonderful quote in the bible from Proverbs 22:7.  It states, “The rich rule over the poor, and the borrower is a slave to the lender.”  How incredibly true is this?  As you start to build your budget, think about all the people and entities you owe money.  If you are making payments …

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How Do I Create A Monthly Budget?

Failing to plan is planning to fail – Benjamin Franklin If you don’t have a budget, you are living dangerously. You have either fallen off the ship, or you are taking on water and sinking slowly and you may not even realize it.

My Gift To You

As the first post in this blog, I find it necessary to give you a small glimpse into my history to lend to my credibility. My financial journey started many years ago in my youth. My parents taught me to balance a checkbook, they cosigned on a credit card for me in my teenage years …

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