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Like many young people, John Floyd started off his adult years in bad financial shape. By his early 30s, John had a credit card that was maxed out, a car that he owed more on than it was worth, only $15 in the bank and no retirement fund at all. But he turned his life around and within a short period of time his credit card was paid off. He then paid off the car he was "upside down" on EARLY and PAID CASH for his next one. And he now he has not one, but TWO retirement funds. He became so obsessed with finances that he wrote the book Debt Free Is The Way To Be: How To Get Out Of Debt, Stay Out And Accumulate A Fortune.

But don't expect some boring lecture. After over twenty years as a stand-up comedian, John knows how to keep an audience entertained. He now uses his gift of gab and sense of humor to teach people all over America how to stand-up to debt. Known as "The Funny Financial Guy" he has quickly become one the country's most respected authorities on personal finances and debt elimination. But he continues to keep it all in stride saying, "I'm only teaching people what I wish someone had taught me years ago."