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Being in debt can be stressful. After a long divorce, I was on my own with my daughter. I was forced to swallow my pride and file bankruptcy. This was a very hard time in my life. While I managed to climb out of that hole, I wish Chris Peach’s awesome money course had been around back then to help. I have vowed that I will never let myself get in that hole again, and I continue to learn more ways to keep myself out of debt. That’s how I found Chris’s course. I loved it so much that I wanted to learn more about the brain behind the brilliance, so I requested an interview with Chris and he graciously accepted.
1. Hi Chris, Can you please introduce yourself for the readers?
“Hey there! I am Chris Peach and I am the founder of MoneyPeach.com which is the go-to blog and website for learning how to manage your money in a way that finally makes sense. Back in 2011, my wife and I found ourselves living paycheck-to-paycheck, with zero savings, maxed out credit cards, and completely broke. I will never forget the phone call that changed everything: my wife was at the grocery store with a 10-month old on her hip and was at the checkout. One by one all of our debit/credit cards were declined. It had finally happened – we were completely broke. That was our rock bottom and we made a promise to each other we would never be in this position again.
We decided right then we would have to change everything. We created a plan for our life and money starting with a monthly budget. We then cut our lifestyle back to what we referred to as scorched Earth and we started to sell everything we could think of. We sold shoes, jewelry, books, furniture, cars, and just about sold our son 🙂 I picked up a second job cleaning pools and my wife started extreme couponing to get out of debt. We were literally biting, scratching, and fighting tooth and nail to clean up our mess and reach financial freedom.
People thought we had lost our minds and I can understand why. We had changed our behavior with money and that’s not easy to do. We started to say “no” to everything, we cancelled vacations, we stopped going out to eat, we didn’t step foot into a Starbucks, and we kept our focus on the one thing we truly wanted in our life; financial freedom. After 7 crazy months of a scorched Earth lifestyle, working overtime, being ridiculed, and never once letting our foot off the gas pedal, we did it. We paid off $52k in 7 months.
Once we went debt free, people started paying attention. They wanted to know what we did, how we did it, and what we could share. A couple had asked me if I would sit down and help them with their financial problems. We had them over for dinner and started to teach them about budgeting, paying down debt, saving, and what really matters. I guess you can say that was my first financial coaching session. That couple told their friends, and friends told their friends, and things started to take off. I met with family after family, then started hosting classes, then five classes, and decided it was time to launch a blog: MoneyPeach.com.”
2. How long have you been writing online?
“The first post on Money Peach was published on March 24th, 2015. Ironically, that same post has had the most visits and the most social shares with over 37k shares on social media. I shared a guest post on a few other sites (The Debt Myth) telling the same story and they both have received over 44k shares on social media. Since then, myself and a contributor to the sight (Kayla) have published over 130 articles on everything personal finance. I am also a contributor for the sites Elite Daily, Grow Magazine, and have been featured in the Business Insider, Geico Magazine, Rockstar Finance, and GoBankingRates.”
3. As a fire fighter, how did you get into writing online?
“I didn’t get into writing online because I was a firefighter, but because I was working-class guy with a family and a big financial mess to clean up. Also, when you are writing for your own blog online, you’re not writing a Harvard Essay on economics. Instead, you are writing from passion, from experience, and from what you actually believe and want to get across to your audience. When I am writing online, I like to think that I am sitting down for a cup of coffee and telling someone a story, a how-to guide, or something I think is going to help them with their money.”
4. How do your find the time for everything you do? You’re a fire fighter, you have a family, you do cross fit, and you blog and write courses. How do you do it?
“One of my favorite quotes is by John Maxwell: “Everything worthwhile in life is uphill”. It’s definitely not easy and it’s probably one of my greatest struggles still. We all get 168 hours each week to do whatever we want with it. I do work as a full-time firefighter 56 hours a week, and I spend about 30 hours a week on Money Peach. This means I had to cut things out of my life that didn’t make sense. I don’t watch television anymore, I don’t waste time on social media anymore, and I focus my time in things that matter most to me: God, family, health, work, and play. Also, as Money Peach has grown, I have been able to hire people to help me be as productive as possible.”
5. For the readers who don’t know you, tell us how what makes a fire fighter qualified to teach a money course.
“I don’t think a firefighter is more or less qualified to teach a money course than a doctor, lawyer, landscaper, or stay-at-home mom. What makes me qualified to teach the course is simple; I was once in the same shoes as my students and I know how to make it to the other side. I don’t hide the fact at all that I am full-time firefighter. I went to college to be an engineer and came out the other side as a firefighter. I knew it would be much more work, less pay, and more time away from family. However, I also knew I could help more people, save lives, and have a lot more excitement when I go to work each shift. The bottom line is this: if you’re looking for someone to teach you things about money in traditional banking terms, over-the-top lessons on complicated financial terms, then I am not your guy. However, if you want to learn how to fix your money situation from the guy who has been there, who is used to helping people (even when it’s their worst day possible), and who has a true passion for your success; I’m your guy.”
6. Do you ever plan to quit your job and work online full-time?
“No, I love being a firefighter and I love running Money Peach!”
7. Tell us a little about your Awesome Money Course. What motivated you to write it? Who would you recommend it to?
“Awesome Money Course is the class they forgot to teach you about money. It started after I started getting countless emails on how to budget, how to save, how to pay down debt, questions about insurance, how to invest, how to save for kids college, and how to understand the world of mortgages. I saw there was a need to teach people the things they should have been taught long ago before being thrown out into the world of hard knocks. If you think about it, when were we ever taught how to save, invest, manage our money, and sign for a mortgage? Let me help you with that – never.
That was when I created Awesome Money Course. I wanted there to be something out there that was not only extremely beneficial about the things you should have been taught about your life and money, but was also fun! We scrapped the name Personal Finance 101 and changed it to something we can all relate to: Awesome!
Awesome Money Course is a 9-week online video based program teaching you every aspect of your money from budgeting, savings, debt payoff, insurance, investing, college planning, kids and money, mortgages and refi’s, and leaving a legacy for your future generations. We made the course accessible to those struggling financially by keeping the cost extremely low and always offering a risk-free 30 day money back guarantee with no questions asked. I wanted people to get excited about their money again, I wanted students to bring back hope to their finances, and I didn’t want anyone to feel like they were taking an unnecessary risk. Simply put, I designed the course with that scared-to-death husband in mind who had just went flat broke in 2011 – me. When I say I have been in your shoes, I have lived paycheck-to-paycheck, and I know how to create a plan and win; I mean it.”
8. What can we look forward to seeing from you next? Any great products or presentations in the pipeline?
“We put out a brand new article on the blog every Tuesday and a new Podcast Episode (Money Peach Podcast in iTunes and Stitcher) every Thursday. We do have something really great we will be releasing at the first of the year, but you will have to stay tuned for that. The only hint I will give you is this: it’s going to be fun, it’s going to be free, and it’s going to leave you with MONEY.”
9. Anything else you’d like to share?
“Yes. Taking back control of your life and money is NOT easy. I will read a blog online that tells people it’s easy to get out of debt if you just do “this”. Or, it’s simple to save money and invest if you just did what I did. The bottom line is those are lies. It’s not easy at all. Everything in life worth doing is uphill. If you want to lose weight and get into shape, it’s hard and worth it. If you want to become the absolute best at whatever you do; it’s hard and it’s worth it. And, if you want to get out of debt, stop living paycheck-paycheck-to-paycheck, invest, build wealth, and have true financial freedom; it’s also hard and it’s also worth it.
I add this because I don’t want anyone to think they are going to become of a student of Awesome Money Course and all of your wildest dreams will come true. This just isn’t how life works. However, I promise I can show you what to do, how to do it, and then you can create the life where money is no longer the problem but the part you look forward to. Winning in anything takes sacrifice, discipline, and a plan. I can provide the plan, but the rest is going to be up to you.”
It was an honor to get to interview Chris. His story is so powerful. He’s seen the bottom, worked his way up, and now he’s trying to help others do the same. Between being a fire fighter and a financial coach, Chris has dedicated his life to helping others. If you haven’t checked out his course, it’s worth a look. It comes with a 30 day money back guarantee, so you really have nothing to lose. As I write this, I have an emergency account with enough money to cover me for 6 months at my current standard of living and longer if I budget well. 🙂